davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
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. (GA)

I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 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 Dept of ED : XXXX ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ), ( XXXX ) Bankruptcy XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX/XXXX   XXXX Dept of Ed : XXXX XXXX XXXX/XXXX   XXXX  : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  : XXXX.
Consumer complaint received 2021-02-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

Mortgage problem with escrow department. Land home financial services Shortage is whom our mortgage is through Escrow department is saying we have a shortage for XXXX because of not filing Homestead and County Property tax increase Home Stead was filled XX/XX/XXXX for XXXX Proof of County tax with no increase was submitted Documents given to escrow account XXXX XXXX and XX/XX/XXXX. Talked with escrow numerous times. Finally agreed and apologised after numerous call. 
They did confirm receiving documents but neglected to update and impute it in the system. Manger and operator had found documents and said they would put new information This was first week of XXXX and That our payment will remain the same. XXXX They never sent a updated statement we are now showing delinquent We we paid our last month payment for XXXX. Normal payment and they are saying our payment is XXXX And we now owe XXXX. 
Please resolve this matter the escrow dept is not doing their job to Correct this My husband concerned about his credit and its a big scary mess. 
XXXX
Consumer complaint received 2023-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) 1726 15 USC 1681 Section 602 A- States I have the right to privacy. 

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

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (GA)

On XXXX XXXX I noticed fraudulent charges on my Barclay Bank  account # XXXX XXXX XXXX XXXX. I called the number on the back of the card to report the fraudulent charges and request that the account be closed and reissued. Barclays automated system stated that they could take phone calls at that time and that I should communicate via their secure message system. 
I requested via their message system to close the account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/2020. 

I also wrote two letters requesting that the account be closed. On  XXXX XXXX I received a form letter stating that they could not complete my request at that time. 
I was finally able to get them on the phone in early XXXX and after much discussion and finally a demand, they closed the account. 
If they had responded to my requests to close the account in a timely manner either by message or via phone as is usual for all other credit cards I have had, then there would have been no problem. 
I feel that they are responsible for all fraudulent charges on this account by their inaction to my request.
Consumer complaint received 2024-04-03
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Upgrade, Inc. (GA)

On XX/XX/XXXX, I received an email alerting me that my Upgrade loan was turned over to a collection agency called XXXX XXXX XXXX. I did not contact them immediately due to a hectic schedule, which included being a XXXX, going through a XXXX, and working a full-time job. Additionally, I had two illnesses in XXXX that sent me to XXXX XXXX. On XX/XX/XXXX, I was hit head-on by a XXXX XXXX. I am still recovering and under a doctor 's care. I am not making excuses, but I have been a little busy. This morning, I received a call from XXXX XXXX at XXXX XXXX. Initially, he did not identify himself or why he was calling. He began by asking if I was XXXX XXXX XXXX. He then stated by exact birthday including the year. This was alarming. I thought it was a scam or identity theft. I tried cutting him off to determine who he was, but he kept talking over me and mentioning more of my private information. When he finally told me who he was and that I owed {$17000.00}. I told him that was more than I initially borrowed and that I had made regular payments for over a year. I told him I was walking in to work and could not talk but he kept talking. He demanded I pay the full amount today. I told him it was obvious I did not have it. I told him I was at work. I said call me after XXXX XXXX tonight. He said he did not work that late. He said I needed to find time to talk to him today or I would be turned over to an attorney who would garnish my wages. I told him I am too busy today to speak at all. He would not let me off the phone until I agreed to speak with him tomorrow at XXXX XXXX XXXX 
My complaints : ( 1 ) Rude and pushy ( 2 ) Threatening phone call ( 3 ) Refused to call its convenient for me. he coerced and bullied me into accepting a call at an inconvenient time.

( 4 ) Kept talking and refused to hang up after I told him I was at work. he kept talking as I entered the building and people greeted me.

( 5 ) The interest rate they are charging is 5 % higher than the original debt.
Consumer complaint received 2022-03-10
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: Experian Information Solutions Inc. (NY)

I never engaged in giving this company the consent to obtain my information, this company is unlawfully reporting, and this is in violation of law made by congress this information is not information relating to any transaction by me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I attempted to reach out to each credit furnisher and creditor requesting documents as well as supplying my verification documents and complete and accurate identity theft report. IRS identity theft affidavit as well as a copy of the file police incident report. I could not reach anyone on the phone. I submitted documents to the creditors and no response. To dispute these accounts normally they will verify it is my personal information. How do you protect the consumer?
Consumer complaint received 2020-10-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

My checking account with Capital One 360 was recently closed because of a XXXX party deposit that was made to my account. The amount of the deposit totaled {$9400.00}. For 4 months I made numerous calls to Capital One to reverse the transaction to the company that sent it, but I was told that I could not request a reversal of the transaction and that the company that initiated it would have to request it. All of my funds in my account were frozen, not just the deposit in question. Other than the {$9400.00} in my account, there was also {$3300.00} of my money from my pacheck deposits, and XXXX deposits -- which are all verifiable as mine. There was no issue at all with any of these funds. 
Finally, after several months and a complaint filed with Consumer Finance, Capital One reversed the 3rd party deposit. But instead of taking {$9400.00}, which is the amount of the 3rd party deposit - they took out {$11000.00} - an additional {$1600.00}. That {$1600.00} is MY money, and has nothing to do with the 3rd party deposit. They then closed my account and sent me check for what was left in my account - {$1600.00}. I have had no explanation as to where my {$1600.00} is. This is plain and simple THEFT by Capital One. I was to know why they withdrew more than was deposited by the 3rd party and where it is. I dont understand how Capital One can steal from accounts and think they can get away with it. I am uploading a snapshot of the 3rd party account that shows the total deposited which is now owed to the sending company. It totals {$9400.00}. NOT {$11000.00}.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WERE LISTED ON MY CREDIT REPORT, AND I NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH CAUSED BY THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-10-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXXXXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-08-07
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)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX Account # 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
Consumer complaint received 2020-09-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP (PA)

USBank recieved my PA unemployment benefits and issued a ReliaCard. Despite the fact I had asked for direct deposit th my PNC account. USBank placed limits on how I was able to access my money, making it impossible to pay the bills I am now behind on. USBank refused to work with me on a resolution to relieve these limits so I could use my money properly. USBank has now restricted all access to my money and has become completely unreachable. They have not returned a call they said they would. ( 2 weeks have passed ) and the Usbank automated call center ( XXXX ) hangs up on me after identifing my account.
Consumer complaint received 2021-09-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Central Holdings, LLC (AL)

I am just struggling to pay my bills since this COVID virus out break and i am on XXXX and living alone myself just to made my ends meet. the Loan place keeps calling me every day i had a naught of it so i had my number change but they are a called my aunt number and harassing her. The loan names is Credit Central Loan gency in XXXX, Alabama i just own {$400.00} dollars my payment {$64.00} a month if try to explain them im the only one living in this house and pay my high price Electric Bill and about 15 others bill to take care of myself. And now everything is in a mess. I've try to tell them if i have extra money left over from paying my bills i will pay them. But also i have alot of people told me about Credit Central they will Harassing you to death. And them lied about or some issues! im getting tired of this please send a letter or something to them to quite calling my aunt and family members and XXXX XXXX
Consumer complaint received 2019-10-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Greystone Alliance LLC (WA)

Greystone Alliance ( XXXX ) has continued to call me on my cell phone and landline about a debt that is not mine. Ostensibly, it is my brother 's. The company has continued to call on a regular basis, per the caller identification feature on my phones. I have repeatedly told the company this information and told them to take me off their call list. I recall doing this in XX/XX/XXXX. Again, on XX/XX/2019, I provided this information and told them to take my name off their calling lists. I was assured this would be done. Greystone called again on XX/XX/2019, and I repeated the information and my request. On XX/XX/2019, my brother contacted Greystone and told them to remove my numbers from their call list, and was assured that my phone numbers were removed by someone identifying herself as XXXX XXXX. Later in the morning, Greystone called me again on my landline. I called the company and requested to speak with a representative 's supervisor, and the representative hung up. I called again, and a different representative told me that my numbers were removed. I noted that contrary to what she had said, I had continued to get called. I requested the full company 's name, the states the company did business in, and to speak with the representative 's supervisor. The representative hung up.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion Credit Report FILE NUMBER XXXX Dispute opened X/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Is reporting a collection of {$380.00} for XXXX services obtained by rental tenants at XXXX XXXX XXXX, XXXX, MT XXXX I owned this home and it was rented. I did not contract for XXXX service at this address! Neither XXXX XXXX XXXX or Transunion or XXXX have been able to explain why this collection is appearing on my credit report.
Consumer complaint received 2019-10-31
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. (IL)

TransUnion is delaying my request for an investigation by means of multiple requests for identification that was provided with the initial request. I have included their internal file number. My name, ssn, & address has not changed. TransUnion has violated the FCRA 30-day-to-respond regulation. The following items in question should be removed from my credit report TransUnion XXXX ACCOUNTS XXXX XXXX not mine DPT ED/XXXX   XXXX not mine DPT ED/XXXX XXXX not mine XXXX XXXX never late COLLECTIONS US DEPT ED XXXX not mine US DEPT ED XXXX not mine
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I was shocked when I viewed my credit report and found late payments below.. 
Creditor : XXXX XXXX Account:XXXX  I was never late 30, 60, or 90 days late in the months of XXXX, XXXX, XXXX, XXXX and XXXX. Im not sure when this happened, I believe that I had made my payments to your when I received my statements. My only thought is that there is a billing error with my statements.
Consumer complaint received 2021-01-25
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. (NC)

Below is what I have sent to numerous customer service research emails for XXXX. 

I am writing because XXXX XXXX, XXXX and XXXX is reporting negatively on my credit report. XXXX currently shows delinquent balance throughout XXXX as late as XX/XX/XXXX. The document attached shows where my total balance was paid in full XX/XX/XXXX. This property was sold to another buyer. The attachment also shows where the check for the balance of XXXX, was overnighted to XXXX as well as signed and received by XXXX employee XXXX XXXX on Wednesday, XXXX XX/XX/XXXX @ XXXX. I do see a hand written note that it was not processed until XXXX, however that was done by an XXXX Employee. I can not answer why it took so long to process. At this time I need all three companies to update my report immediately as this is hindering me from a new purchase. There should be no late or delinquent payments throughout XXXX. 

I have been working/waiting for XXXX to correct this error for over a year now and each week that i call for an update I am told it is being reviewed and someone will call me in 72 hours. I have been given two dates of XX/XX/XXXX and XX/XX/XXXX stating this will be resolved. I have literally called every week and I have not received a single return call from anyone at this company.
Consumer complaint received 2019-10-31
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: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. 
The items in question are as follows : ACCOUNTS ACCEPTANCE NOW XXXX never late XXXX XXXX XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late DEPT OF ED/XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late US DEPT OF ED/XXXX XXXX not mine US DEPT OF ED/XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX not mine
Consumer complaint received 2019-10-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (TX)

Hello I am a co borrorer on a loan with my mother Primary on the Auto Loan with Exeter Finance. I had a car accident in XX/XX/2019. The other person that hit me had insurance with XXXX. XXXX paid the car off in full. XXXX and XXXX  show the loan paid off. XXXX is still showing a balance of {$1300.00}. I have spoken with Exeter Finance regarding updating my information with Transunion and show the car paid in full. I have disputed this with XXXX XXXX ( disputed twice ) and XXXX ( Disputed twice ). The response I received from both parties is the Account will remain the same from both XXXX XXXX and XXXX. I called Exeter Finance and spoke to a customer service rep. The rep again stated she would send an email to the credit department. I ask her to review her notes in the system. She read that I spoke to a supervisor in XXXX and they received multiple disputes from XXXX XXXX and XXXX. The supervisor I spoke with name XXXX stated she would send an email to the credit department. I ask her to repeat back what she is stating in the email. She said the credit department need to respond to the XXXX XXXX dispute. 

I stated both XXXX XXXX and XXXX, not just XXXX XXXX. I also need a letter showing this car is paid off and for this to be expedited so my credit report can be updated and I should not have to wait 30 days. I waited 30 days on each dispute to no avail with no resolve on the pay off and balance should be XXXX. 

My question was, if you receive disputes from both companies above, then why did Exeter Finance not respond to let XXXX XXXX and XXXX with the paid off car loan. The balance is XXXX. 

I would like Exeter Finance investigated. I had to call them multiple times to get the car paid off. This company does not follow up and they will go thru half of the process the drop it. 

I am trying to purchase a car and the dealers are stated that is keeping my score low due to the balance shown. 

I am very upset with unprofessional company and I do not know how they are functioning as a business when there customers have to constantly call them over them promising that they will take care of it.