davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-15
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. (NV)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2022-02-05
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  NA ) XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXXL ( Original Creditor : XXXX XXXX  ) XXXX
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (GA)

Jefferson capital was another debt thats over 7 years that they placed back after taking it off the creditor was XXXX saying the account was opened XX/XX/year>XXXX XXXX  is longer around and hasnt been so Im not sure why they would be put false information on my credit and think its okay
Consumer complaint received 2022-08-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP (FL)

On Thursday, XX/XX/XXXX. XXXX was looking at rentals on XXXX XXXX XXXX. I found a rental XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 3 bed 2 bath and sent seller a message via XXXX XXXX place. This message was sent to XXXX XXXX according to her XXXX  XXXX  XXXX She messaged that the rental was still available. I replied asking if we could setup a walk-thru. She replied back stating to contact XXXX XXXX @ XXXX. I called the number for XXXX XXXX and left a voicemail. He then sent me a text message and we setup a time at XXXX to view the property. As I was driving there he sent me a code to access to property. He then called me as my wife and I was touring the property. We thought it was nice so he sent me an application. I completed the application and submitted it. He then asked for an Application Fee of {$150.00} which my wife paid via XXXX through our bank account to XXXX. He then asked for two more payments for the security deposit. One for {$500.00} and one for {$700.00}. My wife again paid via XXXX through our bank account to XXXX. I then noticed a sign on one of the walls that had a XXXX code to scan. I scanned it and it took me to XXXX XXXX website. My wife called and advised them of what was going on. A lady from XXXX XXXX informed us that this was their property and that whoever we were talking to is a scammer. She advised us to contact the police. I then told the gentlemen on the phone that we know he's not the owner and that we wanted our money back. He then texted me XXXX XXXX with email XXXX stating he was his attorney and that I would have to pay another fee to get our money back. I did not pay. He then asked me to go get a XXXX XXXX and he would return my money. I refused as my wife researched this and found it to be used by scammers. He then had a gentlemen call me from XXXX and try to convince me that this was a legit transaction. I told them they were lying and I wanted my money back. We called our bank ( US Bank ) and filed a claim. Unfortunately, they opened an investigation but could do nothing else at this time. We contact XXXX and their message just refers us to contact our bank. The gentlemen from phone number XXXX and I have been texting back and forth. He keeps stating not to contact the police as he doesn't want any trouble. I told him if he just gives our money back. {$1300.00} in total. He stated he would have to go to the bank. He then stated he would get my money back to me in the monring. So this morning, XX/XX/22 I texted him and he said he was going to the bank. Then he asked me to send his transaction history of the three transactions. I refused.

I have the complete history of the messenger chat, text messages, and partial voice recording of the conversation.
Consumer complaint received 2024-02-15
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2016-08-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RFNA, LP (MS)

As a co-signer on the loan, the primary defaulted ; however, the lending company did not use my driver 's license information ( on file ) to send documents to my address. Instead, in violation of 806 and 805, a sheriff was sent to my place of employment and the summons handed over ( not in an envelope ) to my HR Manager. My personal information was handed over to a third party at my place of employment. I would like to file a complaint since the summons was not sealed and any individual in HR could leaf through the documents and by contacting me at work rather than at home, I consider this a form of harassment. 

It appears as though an administrative error occurred during the paperwork process which showed my address incorrect - the house number and street was correct, but the city and zip code was erroneously typed by the clerical staff at Republic Finance. The proper information ( copied on my driver 's license ) was never provided to the Sheriff 's department to deliver the summons. The sheriff was instructed to deliver to my employer rather than contact me at home. As such, the summons was drawn up on XXXX XXXX but the documents not sent to Sheriff until XXXX XXXX - therefore, I have lost my 30 days to respond. As a co-signer, I recognize that I now am responsible and I am willing to make arrangements, but I need to receive the proper notification and have the time to respond. I would like my 30 days back to address the summons and I would like a formal complaint lodged against both Republic Finance and XXXX XXXX XXXX. 

Finance Company - Republic Finance, XXXX, XXXX XXXX XXXX - XXXX, XXXX, MS
Consumer complaint received 2022-02-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (CO)

I have made repeated attempts via XXXX, XXXX and XXXX to have these accounts removed from my credit. I have provided a police report from where my wallet was stolen. Their response is that they can not remove the items because I did not make a police report specifically stating that my identity was stolen. I don't think this is fair as I am the victim in these matters. Then a new account was added, that is similar to the previous fraudulent account. These errors appear on all 3 credit reporting agencies, and have lowered my credit score. 


NCA Last reported XX/XX/XXXX {$470.00} Open balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Original creditor Opened XX/XX/XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX {$480.00} Open balance XXXX XXXX XXXX XXXX XXXXI Original creditor Opened XX/XX/XXXX ( 1 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX I went to the bank to pay my mortgage. I unfortunately was behind on paying so I sat down with a banker and spoke on the phone with someone from the mortgage department. I found out the total amount that was due for me to get caught up. I then proceeded to try to pay with two different cards. One from my credit union and the other from. My XXXX XXXX checking account. The first portion {$700.00} was paid and when I attempted to pay the second portion I was informed that the bank would not accept my request due to the fact that I was attempting to use XXXX XXXX. I then on XX/XX/XXXX paid the second portion. When the second part was paid I wanted to make sure that I was up to date. The individual who accepted the payment stated that the first one did n't show but that was when I paid the money the bank was processing and would show after the weekend. I asked if she could see that it was in the system at all and read all the information that was on the receipt. The bank never showed the payment for the past year. I proceeded to send copies to the bank so that they could do an inquiry and find the money. When nothing came of that I proceeded to go to one of the branches and had the branch manager to electronically send the bank receipt and the receipt from my credit union showing that the payment was made. I then tried to buy a new home and also was trying to buy a car but the bank has put the delinquency on my credit report. My mom was the one who consigned for me and this has affected her credit as well. The mortgage department stated that they never received any of those emails and faxes. When on the phone I was told by one person that the payment was paid to a portion of my principle instead of the payment.
Consumer complaint received 2015-12-17
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (CT)

As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion.
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

I submitted a payment on or about XX/XX/XXXX or XXXX 2022. The payment was received on XX/XX/2022 and funds released from my bank. I waited patiently and the total current balance did not update. In addition the outstanding principle did not change nor did the accrued interest amount. It is now XX/XX/XXXX and the information still has not changed. I called Nel Net- the service provider- on or about XX/XX/XXXX and informed they didn't know why it was not updated and a " specialist '' would reach out and I would receive a response within two business days. To date, I have received no such response. 
The total amount paid was {$1400.00}. spread over approximately 4 loans. My credit report reflects no such payments as my outstanding balance has not changed despite making a sufficient payment. 

Therefore my credit is being adversely affected as my outstanding balance has not changed in relation to this patient - resulting in increased interest rates and harming my reputation of paying my bills timely.
Consumer complaint received 2016-09-04
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc (OR)

I had an issue with a merchant where the digital items that I have purchased were disappearing from my account. I used my paypal business debit card to make the purchases. After this occurring for months the only response I was getting from the developer was automated email mails that had nothing to do with the issue until the last one. It stated that I needed to provide screens shots of the items that disappeared. Since that was an impossible thing to do, being that they disappeared, I called XXXX support. They advised that since they can only refund 24 hours of charges due to company policy, I should call my card provider and dispute the charges. The total amount I have spent exceeds {$50000.00}. I called PayPal and filed the dispute. Only disputing the charges from the time I noticed the items disappearing. Paypal then denied the dispute and locked my paypal account in a matter of a few days. When I phoned them to ask why they responded saying I would have to hire a lawyer and subpoena them to get an explanation. A few months prior to this I had a fraudulent dispute filed on me and they decided against me due to the fact I did n't have proof of shipping. The item was a digital item so there is no way to prove that. I used paypal for a considerable amount of transactions prior to all this with no complaints or issues that would negatively portray me in any way. I feel that PayPal is taking advantage of being the middle man without accepting the responsibility of insuring the purchases properly. Due to the fact that the items I purchased were disappearing I felt that taking XXXX advice was the right course of action.
Consumer complaint received 2022-02-05
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (OH)

Dear Whom It May Concern, I attended XXXX XXXX XXXX XXXX XXXX ) from XXXX and was promised a high-paying salary to pay off my student loans after I graduated. I was never spoken to about how much I was borrowing, only handed a check at its full loan amount every 60 days. I came out of school with 6 figures in debt expected to be repaid within 6 months of graduation. I currently have over $ XXXX in just federal loans and I was not considered in the Navient forgiveness. My loans have caused me to never be able to buy a house, car or business loans. It has debilitated me to the fullest extent. I have applied for loan forgiveness only to be denied due to the greedy Department of Education heads that have allowed my loans to never be reduced by only paying the interest. I have had zero communication from all parties involved and left out to dry. I can not afford to pay my loans as they were fraudulently given to me without my direct knowledge and lack of experience being a XXXX XXXX XXXX kid at the time. 

I ask you to please consider XXXX as bad actors as there hundreds of us that have dealt with crushing debt our entire adult lives.
Consumer complaint received 2022-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (LA)

My Reliacard account card ID XXXX my Name is XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Address XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX My dispute resolution for fraudulent transactions and identity theft of my Louisiana state unemployment benefits deposited into my us bank reliacard account was stolen. The dispute resolution of fraudulent transactions case was resolved and considered closed and the funds were put back into my account after following and completing the entire dispute resolution process. US bank reliacard account customer service then locked my account from assessing my funds immediately after depositing the funds back into my account. They initiated an account verification process to verify my identity. I then gather all the required documents to submit to them that were required to unlock my account and verify my identity. I was given 3 options of verifying my identity by uploading the documents to there website which I couldnt do they restricted assess of my online account so I couldnt login in order to upload the documents. 2. Was by fax 3. Was by Mail. I faxed the required documents to cardholder services ID CHECK/ VERIFICATION. I faxed my State ID, Social security card, and my XXXX W2. They received my documents and verified the documents I faxed but still havent taken the restrictions off my account. They have now taken the money out of my account from my dispute resolution case which was considered closed and reconciled after I faxed the required documents needed to not verifying my identity even though I have.
Consumer complaint received 2015-04-10
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NC)

In XXXX this account was sold to Santander Consumer USA , Inc. from XXXX XXXX ( original lender was XXXX from XXXX/XXXX/XXXX ). However, Santander is reporting that I took out a loan on XXXX/XXXX/XXXX which is incorrect ( see attached ). 

This account shows no payment history prior to XXXX because Santander did not have the account. Even though I made payments with both XXXX XXXX Bank and XXXX XXXX and did not begin to fall behind until the account was sold to Santander in XXXX, there is no payment history reflected on my Equifax. I have proof of payments but it will take a few days to get copies of checks from my bank. 

In XXXX of XXXX, this account was reported as current yet I voluntarily turned in the vehicle in XXXX of XXXX. 

Account shows a 7 year loan which is incorrect. According to the original contract, the loan was financed for 72 months ( see attached ). I have never taken out a car loan for 7 years and am unaware of lenders who finance vehicles past 5 years/72 months. Due to predatory tactics such as padding the balance, I would still be paying on the vehicle if I had not turned it in to Santander in XXXX. That equates to a 9 year auto loan.
Consumer complaint received 2022-02-05
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. (VA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for
Consumer complaint received 2015-04-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been disputing the late reporting on my credit file since XX/XX/XXXX. I informed Transunion that the late reportings from XX/XX/XXXX - XX/XX/XXXX was inaccurate and they stated that they verified information with XXXX XXXX XXXX. I contacted XXXX via dispute letter and asked them for proof of late payments and they have not sent me anything to date. They just sent a letter that states credit report is accurate. I am asking for your assistance in rectifying this matter. Because these inaccurate late reportings is hurting my chance of a new home purchase with the interest rates.