davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-22
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. (FL)

In accordance with the fair credit reporting act XXXX  account XXXX  XXXX XXXX  violated my rights. 
15 U.S.C 1681 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 2021-06-02
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. (CA)

I applied for a home mortgage today at 2 banks ( XXXX XXXX  and XXXX XXXX ) and was denied. I found out from XXXX XXXX XXXX  that the reason was my low credit score XXXX, which they obtained from TransUnion. Prior to applying for the mortgage loan, on the same day, I checked my credit scores from 3 credit reporting agencies ( TransUnion, XXXX, and XXXX  ). From TransUnion, my credit score was XXXX. 

I called TransUnion and asked about the the discrepancy and was told that the problem is likely the third party company, XXXX XXXX XXXX ( XXXX XXXX XXXX, that reported my credit score to the bank. So I called XXXX  XXXX and after a very extensive hold, I was told by a customer service agent that the the score came from XXXX  XXXX XXXX XXXX XXXX, and there was nothing for them to fix. I then contacted XXXX XXXX about the discrepancy and was told that there was nothing that they can do and I needed to resolve the credit score discrepancy for any reconsideration of a mortgage loan and will need to submit another application. 

Attached are my credit score from TransUnion website, which I had to pay $ XXXX/month subscription to obtain the credit score, indicating XXXX score and a letter from XXXX XXXX XXXX which I was able to electronically obtain, showing XXXX score and TransUnion as the source of the info. The letter also states XXXX XXXX as another credit info source.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Under the Laws of the FDCPA, I have previously sent XXXX XXXX a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe them. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I enclose copies of my requests to XXXX XXXX, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request to XXXX, XXXX XXXX and XXXX. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
Consumer complaint received 2018-03-05
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Coinbase, Inc. (NJ)

I have a coinbase account and then added their XXXX account for trading my currencies. It has been about a month and I have been locked out of my account with no way to access my funds. Every day that goes by puts me at risk of losing tens of thousands of dollars. I have contacted XXXX/XXXX and they have been no help thus far. I have quite a bit of money invested and would like to access it. 

My case ID with them is : XXXX This is ridiculous!
Consumer complaint received 2018-10-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TCF NATIONAL BANK (MN)

I went to TCF get an account for my son. I am his rep payee, I informed them that I was his rep payee. They opened a joint account, that was not a rep payee account. Prior to even opening the the account they said we could dept a check however we would not be be able to take any funds out for 7 to 10 business days, how ever thus would not have worked dir us sye to the fact we needed money right away, we opened an account they failed to call me I owed money from an account back in 2003. They ended up taking my sons XXXX check, i tried taking to them and they pretty much said to bad. My son is a vulnerable adult. This is bit ok for them to do this.
Consumer complaint received 2019-03-09
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACS Education Services (CA)

On XX/XX/2014, I received a phone call regarding my student loan debt telling me that I need to pay my loan or they would send a report to the credit bureaus damaging my credit. I informed them that when I tried to log onto the ACS Education website to pay my loan, I could not log on. They then took my debit card information to make payment on my loan. 

I was then told that I would be given a new account so I could continue to make payments on this loan. Years later, I learned from my credit report that they already reported me to the credit bureaus as being seriously delinquent on this loan for 150 days despite the fact that I was unable to make payments due to their deletion of my online account. 

When I tried calling them about this, they said that they no longer serviced my loan and would be unable to help me regarding this matter. They are now called Conduent Education Services. 

Furthermore, my credit reports are still showing that I owe money despite having already paid off the loan.
Consumer complaint received 2019-10-22
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

One sent a Postal money order # XXXX for XXXX  and Satisfaction of Capital One Account Ending in # XXXX sent XX/XX/2019 via Certified Mail # XXXX. 
Capital One Bank sent the account to collections and kept the Money Order.
Consumer complaint received 2023-02-23
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. (KS)

This company has been misrepresenting me and advertising false information on my Consumer Report. I came to know about these alleged transactions on XX/XX/XXXX. Due to these inaccuracies, my right to extend credit has been damaged to a great extent this has adversely caused injury to my family and my livelihood. I have been abused discriminated against embarrassed and refused several transactions. I have put this company on notice and gave them a chance to correct my consumer report. I need them to protect my right to privacy and uphold their grave responsibility concerning the respect for my consent. I did not give this company consent to advertise my non public information I demand these inquiries be deleted immediately ; XXXX XXXX XXXX XXXX and ( AND duplicates ) DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXX ( AND duplicates ) DATE XX/XX/XXXX XXXXXXXX XXXX XXXX DATE XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX XXXX  DATE XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX XXXXXXXX XXXX  DATE XX/XX/XXXX
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC. (LA)

At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of XX/XX/XXXX. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.
Consumer complaint received 2021-06-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

XX/XX/2021 I spoke with XXXX XXXX representative about co-signer release. The representative verified that the loan meets the required payments ( 48 on time payments ). However, because they are being sold to XXXX, which is really NELNET, a big education loan holder, they will not take the application until the change takes place. 
The earliest I could apply for this is XX/XX/XXXX. The representative indicated that it would be just a matter of filling out the application. 

XX/XX/2021 I contacted XXXX the first week that I could inquire about the co-signer release form. Due to being backlogged from transitioning from XXXX XXXX, the XXXX representative stated that I would not hear back from them regarding my request for a co-signer release application until at least XXXX. 

XX/XX/2021 I received a letter from XXXX stating that I did not meet the requirements for the co-signer release application due to delinquent payments from almost a decade ago. This completely contradicts what I was told by the original lender, XXXX XXXX, and, due to a backlog, my request was backlogged and now void under the new rules of the new loan holder, XXXX.
Consumer complaint received 2018-10-03
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: Experian Information Solutions Inc. (CA)

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from XXXX XXXX, XXXX and Experian stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to XXXX XXXX, XXXX, and Experian as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Consumer complaint received 2018-10-03
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)

As of XX/XX/2018 after 4 rounds of credit repair, I received updated credit reports from Trans Union, XXXX  and XXXX   stating that the accounts on my report have been updated and for me to personally contact the collectors for any information. My rights have been violated per the FCRA and the FCPDA. These Collection accounts have not been properly verified by the 3 credit bureaus per the FCRA nor have they been validated by the collectors per the FCDPA. There has been no original instrument of the debt such as a signed contract presented to me by either of the parties. I have personally reached out to the collectors over the past 2 months asking for validation of this debt and what I received was the copy of a bill. Anyone can create a bill and place my information on it. This is not 100 % Verification nor is it validation. My credit is being held hostage by this. Laws have been violated. I have certified receipts from the correspondence that I sent to Trans Union, XXXX, and XXXX  as well as XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX that I'm attaching. These accounts are hurting my credit, im trying to buld a future for my children by purchasing a home and this has stagnated that process. Thank you for your assistance.
Consumer complaint received 2021-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/2021 I called Transunion to try and gain access to my account to dispute multiple credit checks that were fraudulent. A representative from TransUnion informed me that my account was locked out and that I had two accounts. He then read an email address and partial card number for this second account. I informed him that I did not make that account nor did I opt to pay for credit monitoring services. I told him that my birth certificate and VA letters were stolen from my mailbox and was a victim of identity theft. He would not release any other information regarding this account so that I could give to the police in order to find the person committing the identity theft. My complaint is that the Transunion company did nothing to validate this person 's identity nor did they notify me of this secondary account was created instead just disabled my actual account with Transunion. This allowed the person to see my whole credit report freely and allowed them full access to all my personal information. 

This will be my second attempt to gain more information regarding this second online created through the Transunion website as the first response did not address this concern. A major breach to my credit file was completed via the Transunion website and no information regarding this secondary online account was address or released.
Consumer complaint received 2022-04-28
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (PA)

I am not comfortable seeing all of these unauthorized inquiries on my credit report. I didn't do any of these. What happened is that recently I received a copy of my credit report and I was surprise of how many inquiries that is on my file. I immediately sent a letter to the respective agencies XX/XX/2022 but up until today ( XX/XX/2022 ) I haven't receive any response from them. This is unacceptable. According to this article : FCRA 611 ( 15 U.S.C. 1681I ) ( A ) the investigation should be within 30 days only and an extension of 15 days makes 45 days, it was almost 50 days now from the time I sent letters but nothing came into my mail, email and even phone number when I indicated all these info for them to communicate to me. This is frustrating and causing me a lot of stress.
Consumer complaint received 2018-10-03
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: CITIBANK, N.A. (TX)

I live in XXXX, Texas and sometime in XX/XX/XXXX my ex-girlfriend lifted personal information without my consent during a visit. She went to XXXX XXXX, Michigan and made an unauthorized charge of {$1600.00} to XXXX XXXX to make repairs to a vehicle. Instead of following correct procedure and calling my phone number, she handed them the phone and someone claiming to be me gave them my personal info. When I asked her about why she did this without asking me she texted me saying, " I was scared you were going to say no! '' Despite this evidence, despite the negligence of the staff in their method for obtaining consent for the charge, and despite the fact she made unauthorized phone payments again using lifted personal information that I did not give her consent to use, citibank and XXXX claim their investigations found nothing. There are still {$250.00} or so that they claim I owe for a charge I never made. This is on file with the XXXX County, TX sheriff 's office under case XXXX. They still have not arrested her as far as I know and she has changed her number and ignored all my attempts to contact her. I don't know if this is some kind of sexism because I'm the male partner in this relationship or why she is being treated like she is innocent and I am being treated like I should just pay even though I am the victim but it is ridiculous. I demand that XXXX XXXX and Citibank to be investigated for misuse of my credit card information and errors in their fraud investigation procedures and that the credit card charges wiped out or transfered to the guilty party, one XXXX XXXX, and to be recognized for what they are : Fraudulent unauthorized charges! I want letters sent to my credit reporting agencies apologizing for this lapse in justice. If anyone should be slighted for these missed payments, its her. I never agreed to the terms of her making payments via phone to my card directly. I tried to press charges to have her arrested. Now I don't know if that's in the scope of your powers or not, but for some reason the Sheriff isn't making any moves and I don't know why. The whole thing is frustrating and defies reason. I can provide more than enough evidence that she admitted to wrongdoing in text messages and citibank has information on the multiple permutations of her name and fake names used to may phone payments.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (GA)

Central Portfolio Cont XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Ph # XXXX I received a letter from XXXX XX/XX/2020 Central Portfolio Cont indicating that I opened an account with them on XX/XX/2020 and that I now owe them, {$8900.00}. They said the account is closed. It is showing as derogatory on my credit report. 

I dispute this claim of indebtedness in its ' entirety. I do not recall having any contact with this company or owing them any money, nor do I recall appropriating any benefit from this company.
Consumer complaint received 2019-03-09
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc. (FL)

In XX/XX/XXXX my now ex-husband and I obtained a reverse mortgage on our house at XXXX XXXX XXXX XXXX, XXXX, FL XXXX through XXXX XXXX XXXX. This mortgage was sold to XXXX XXXX XXXX, division of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX TX XXXX phone XXXX in late XXXX. I left this house in XXXX and have no contact with my ex since XXXX, and have not seen any of the documentation sent to that address concerning this transfer. Our divorce agreement allows him to remain in the house until it is sold and he is being very uncooperative with this process. We contracted with XXXX XXXX of XXXX XXXX XXXX XXXX in the XXXX XXXX Florida office phone XXXX and finally signed a contract after agreeing to a listing price of {$350000.00}, knowing full well that the house in the condition it is in would not sell for anything near that price but it was a starting point to see what comments from viewers were along with any offers that were received. There were no offers, comments were very negative. 
We finally received a cash offer of {$220000.00} from a party needing to get money from a property exchange invested. XXXX XXXX hired XXXX XXXX XXXX, XXXX XXXX XXXX owner, XXXX XXXX XXXX XXXX, XXXX FL. XXXX phone XXXX to do the appraisal and his appraisal, with lots of errors, was given to XXXX XXXX of XXXX XXXX  at {$350000.00}. I sent Ms XXXX an e-mail letter requesting copies of all documents sent to the XXXX XXXX XXXX address on XX/XX/XXXX, I spoke to her on XX/XX/XXXX, she said that the e-mail address I was given was incorrect and that she never got the letter and that the dispute of the appraisal had been reviewed and the short sale was denied. I had to fax ( not e-mail ) the letter to her which I did through Mr. XXXX. Even though the reverse mortgage includes insurance for any shortage, they will not approve the short sale, want the house sold for {$350000.00} which will not happen. Mr. XXXX is filing a complaint against the appraiser as well. The amount of documents is large ( the appraisal documents & pictures alone are 46 pages ), and I don't yet have and have no ability to get from my ex, other documents that may be needed. Please let me know what you may need and I will do my best to obtain them.
Consumer complaint received 2019-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNTRUST BANKS, INC. (CA)

On XX/XX/XXXX entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX install new A/C and heating. We financed through them {$8400.00} for 48 months no interest, through XXXX. In XX/XX/XXXX installation took place. XXXX sent written billing requesting {$170.00} per month. We paid the {$170.00}, but paid 2-3 extra payments and set auto payments of {$170.00} thereafter. XXXX unilaterally changed the term of the agreement by adding terms not agreed upon -- 1 ) monthly payments ( agreement payoff total within 48 months no interest ) ; 2 ) if additional payments made they still demanded monthly payments ; 3 ) and if {$170.00} was not paid each month then a late charge is being imposed. At least 3 phone calls were made to XXXX and email with a copy of the XXXX agreement, but they refused to follow the agreement, sending their own unilateral agreement which was never agreed too or signed. A letter was sent XX/XX/XXXX setting out our position, advising of the dispute and our previously having provided the signed agreement with XXXX, asking for clarification on how they wished to proceed. No written response or communication via email as requested. They make unwanted calls just about weekly to my wife, XXXX. They are harassing and annoying, and send demands for payment, including later charges.