davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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 you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) XXXX,
Consumer complaint received 2022-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I sent out a dispute letter certified to TransUnion per what the FTC requires, but they refuse to honor my request
Consumer complaint received 2022-09-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In Accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2020-08-24
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: Yamaha Motor Finance Corporation USA (TX)

I was never notified by either lender XXXX XXXX  or Yamaha Financial Corporation USA that my loan was being transferred to Yamaha Financial Corporation. They made one attempt to contact me via phone regarding payment but I had no idea who they were and they asked for my SSN, DOB, Name, Address. I refused to provide this information to anyone on an inbound call.

My payments are scheduled through Auto Pay and were sent to XXXX XXXX  After talking to a manager ( today ) he said that they only transferred the payments for 3 months. Again, I was never notified about this policy. After 3 months and while XXXX was still receiving my checks they decided to discontinue transferring my payments and put me in a negative standing. I received 1 notice in the mail regarding late payment and again ignored it due to suspicion of a scam/fraud. After receiving the 2nd notice I called in skeptical to provide my personal information but did  so anyways. 

I spoke with a representative who for the first time explained to me that Yamaha Financial Corporation USA had taken over my loan. I sent in a payment for the 2 months XXXX XXXX did not transfer my payment and paid the upcoming 3rd payment in advance. In 2 years all my payments have been on time. I've attached bank info to demonstrate XXXX continued to receive my payments but just did not process them after XXXX. 

The person I spoke with in XXXX confirmed that my credit would not be damaged due to this. I told the supervisor XXXX ( employee ID XXXX ) to listen to the call and validate what I was told at the time. He told me it would take a while to do this, which is a lie, and I was more than happy to wait on hold. I was misled/lied to by the original collection officer about the negative reporting and a supervisor ( XXXX ( employee ID XXXX ) ) did nothing to fix it. 

I value my credit and have over XXXX on time payments in my history. 

He told me that he would not make any changes to the wrongful reporting because I missed payments. Which is not the case, either XXXX or Yamaha Motor Corporation received every monthly payment since the loan origination. See attachments. He spent more time trying to explain to me what had happened with the merger than it would take listening to the call I had with the previous representative and fixed what they had done to my credit. 

I am very displeased with the communication from Yamaha Motor Corporation USA. They made very little effort to notify me of the change in lender. My payment history defines my ability to make payments online but XXXX did not care a single bit. Continued to say that " packets were sent out ''. Seems odd that I wouldn't receive a single thing about a merger ( new lender ) but received the 1st and 2nd notice without issue about payments not posting.
Consumer complaint received 2024-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (NJ)

XXXX of XXXX  through XX/XX/year> is when I got scammed through Coinbase wallet. 

Coinbase was negligent in notifying or warning me of the scam. 

Was scammed for XXXX  XXXX. 

Tried to resolve with Coinbase but they dont want to take responsibility for there negligence. 

Our lives have been destroyed by there negligence. 

The scammers were able to attach to Coinbase wallet.
Consumer complaint received 2020-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAVALRY INVESTMENTS, LLC (FL)

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Consumer complaint received 2022-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (MI)

The debt collection agency Stegner & Stegner XXXX XXXX of Michigan has repeatedly attempted to serve my family lawsuits, passive aggressively at our house, for a debt thats not ours. The original debt is owed to XXXX XXXX XXXX for {$5.00}, XXXX and the defendants name does not live at our address nor has he ever lived there ever. We have contacted them on numerous occasions, they have sent us a handful of mail threatening us with legal actions, and they are still coming onto my property trying to serve me with papers. This is socially embarrassing for me and my family because every time they come, they make a scene at my front door while my neighbors are looking and it is causing a lot of unnecessary mental stress.
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (PA)

I started receiving PA unemployment / Pandemic relief benefits on XX/XX/20 thru direct deposit. Then received notice that due to suspected fraud I would be receiving payments via Reliacard. I have not received a card or payment since XX/XX/20 ( over 3 months ). Finally got in touch with Reliacrd, and discovered there was a type-o on my mailing address. Corrected that, then the representative informed me I would receive an email in 5 days to tell me how to proceed. Its been over 8 days and I have not received the email, nor can I get in touch with a Reliacard representative.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (CT)

LVNV FUNDING IS REPORTING INCORRECT INFORMATION ON MY CREDIT REPORT, THE ACC # XXXX. AND A BALANCE OF XXXX. THIS ACCOUNT IS A PUBLIC RECORD JUDGMENT, THE JUDGE DID NOT GIVE LVNV FUNDING ANY PERMISSIBLE PURPOSE TO REPORT IT ON MY CREDIT BUT THEY VIOLATE MY RIGHTS AND VIOLATE THE JUDGE DECISION AND REPORT THE ACCOUNT TO MY CREDIT WHICH IS CAUSING ME AND MY FAMILY SEVERE DAMAGES TO OUR CREDIBILITY.
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (CA)

TD Bank USA ( Target Credit Card ) charged me a {$28.00} late payment fee on XX/XX/XXXX and a {$29.00} late payment fee on XX/XX/XXXX. The creditor failed to mail me a billing statement for each period and because of that, I was unaware that I had to make a payment. Please provide a credit of at {$57.00} for the late fees and credit me for any interest accrued due to those late fees. If TD Bank  USA ( Target Credit Card ) disagrees with this, please provide proof that you mailed out the credit card statement for all the periods where I was charged a late fee for and proof that I actually received them. Such proof includes tracking information with USPS, XXXX, XXXX, or a certified mail receipt. Thank you.
Consumer complaint received 2019-05-29
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. (WI)

Have an old XXXX XXXX account that's been current on payments since XX/XX/XXXX, but keeps showing severely late. I've already addressed this issue directly with XXXX XXXX   and they advised that the problem isn't on their end but how the credit bureaus are showing my payment history. Instead of noting the arrears as a past open account with current payments the bureaus are reflecting an old account with severely late payments from XX/XX/XXXX to current date ( XX/XX/XXXX ). I've attempted several times to address this with the bureaus to note the account and payments correctly. However, it is still not corrected. I have copies of pay stubs showing these payments on time set on auto deduction. Why is this still not updated? The bureaus all need to get on the same page and update how they view and notate XXXX XXXX payments!!!
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Global Lending Services LLC (FL)

Global Lending Services XX/XX/2021 {$4100.00}. I am not sure where my information is being stolen from but I'm initiating this police report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine. I am willing to prosecute.
Consumer complaint received 2022-09-14
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. (PA)

I contacted my loan servicers, both XXXX and Aidvantage in attempt to try to confirm the origin of the loans they hold. I was told by XXXX that they no longer hold the loan for XXXX XXXX after I had gone through submitting the requested dispute form for a loan that was taken out in my name. 
There is a fraudulent loan that was taken out from XXXX XXXX in my name. This loan is approximately {$8000.00}. I was told by Aidvantage that I could not confirm the origin of the loans that they hold at all. I have been unable to dispute this loan successfully as I do not know who is holding the loan.
Consumer complaint received 2021-07-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I attempting to transfer {$1000.00} from one checking account at Bank of America to another of my checking accounts at Bank America and accidentally transferred the money to a line of credit account that was closed years ago.

I have called Bank of America on four different occasions and they told me the {$1000.00} would be credited to my account within 72 hours of me notifying them of the error. 

The {$1000.00} has not been credited back to my account and I have bills to pay.
Consumer complaint received 2018-07-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MS)

I have made multiple attempts to correct this issue of inaccurate information reporting to my credit files namely XXXX as the other credit bureaus have complied with the inaccuracies of the collection agency XXXX and the lack of validation provided to me upon my requests from the collection agency, I have never been served properly as stated in their prior response and the per the statute and their own admission this item should be removed from all credit reporting agency 's that they have reported it to as of XX/XX/2018. However it still reports to XXXX as the other agencies have complied with the law. Attached is a letter from XXXX XXXX regarding the account and their statement saying a request to remove this obsolete data from the credit agencies should be done from their end XX/XX/2018.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX  Account Number : XXXX Reason : Unverified account
Consumer complaint received 2020-08-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A. (NY)

I was using a PNC smart access account to receive my unemployment benefits during this pandemic last Tuesday I went to use my debit card and it was not working being declined I called PNC and they told me that they had returned to the the most recent deposit and closed my account and will not give me an answer to why. so I am not waiting for that deposit to finally show up I was told it could take up to six weeks.

I'm not sure if it's the right thing to do to somebody by closing their  account that's only receiving the unemployment benefit deposit during a pandemic
Consumer complaint received 2023-08-21
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I have a documents showing paid in full as of XX/XX/2021. Numerous attemps to send the documents that Conn 's Furniture sent me they will not take this off my credit and will not stop emailing me to make payments.
Consumer complaint received 2021-09-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX  Deleted disputed information on my credit report after investigation and re applied inaccurate and false information back on my credit report. Im the victim of identity theft and I dont recognize one or more of the accounts on my report.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

There are three bankruptcies on my credit report and they are not mine and one collection from a company I have no clue about or an amount that is not mine.

Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : Chapter XXXX Bankruptcy Account Number : XXXX Reason : Unverified account Account Name : XXXX ( XXXX ) Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : Unverified account
Consumer complaint received 2022-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY (FL)

In XXXX of XXXX I opened a XXXX credit card with TD Bank. Since then I have had exceptional payment history thats not being reported by XXXX. 

I reached out to TD Bank and they told me they are reporting this account to XXXX. 

XXXX is not properly reporting my account, they arent even reporting it and it adversely affects my credit standing.
Consumer complaint received 2021-07-16
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. (CO)

I sent a dispute letter to the three major credit bureaus to verify information being reported. Equaifax is reporting a " derogatory " account status on a PAID account. all three bureaus are reporting inaccurate and incomplete information. I have not received a response from XXXX, XXXX or Equifax,
Consumer complaint received 2020-09-12
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. (DE)

My name is XXXX XXXX and I am writing about an entry listed on my credit report which does not belong to me and should not be listed. Apparently someone with a similar name to mine filed bankruptcy in the US Bankruptcy Court of XXXX, and it appeared on my credit report. Frustrated I decided to contact the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau, any information relating to any bankruptcy cases. They said it may have come from a 3rd party furnisher called XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a credit report. I ask that you remove it immediately.
Consumer complaint received 2020-07-22
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN ADVISORS GROUP (TX)

AAG paid HOA expedite fee of {$150.00}, just to save couple of days there is no reason to pay this fee since the loan process took 8 weeks and they needed to wait for other documents. 
Other than that. nothing in my signed application authorized AAG to pay unnecessary fees. 

I need them to reimburse me {$150.00}
Consumer complaint received 2022-09-14
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: TRANSWORLD SYSTEMS INC (IL)

In accordance with the fair credit reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 section 602 states i have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-09-14
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. (FL)

I went to the car dealership and I told them only run my credit with one bank and they ran it with so many different banks. I want these removed this was not approved by me and I told them multiple times dont run my credit with multiple banks. Here are all the unapproved companies they ran my credit with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-24
Product: Credit card or prepaid card — Government benefit card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I do not have an EDD card for CA benefits. received this text on my cell : Dear Bank of America XXXX XXXX XXXX XXXX, Due to security upgrade on the Bank of America XXXX XXXX XXXX system, We urge you to verify your account to help prevent fraud. 
Click or copy and paste the secure upgrade weblink below to your browser to continue http : XXXX XXXX, Bank of America XXXX XXXX XXXX