davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete the inquiries below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 TransUnion XXXXXXXX XXXX  XXXX XX/XX/2023 TransUnion XXXX XX/XX/2023 TransUnion XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XX/XX/2023 XXXX
Consumer complaint received 2021-07-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA (TX)

I refinanced my loan through XXXX and a distribution was sent to Marcus on XX/XX/2021, in the amount of XXXX via USPS with my loan number, XXXX noted. Since that time, I have opened two cases with Marcus to location the check and confirmed with XXXX  that the check was sent to the correct address below : Goldman Sachs XXXX XXXX XXXX, PA XXXX Marcus had delayed the posting of this amount and refuses to investigate the situation despite my to requests to do so.
Consumer complaint received 2018-01-29
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. (FL)

In XX/XX/XXXX, I put a freeze on my EQUIFAX credit report while XXXX XXXX doing a FRAUD INVESTIGATION due to some accounts/credit cards that was open with my personal information without my authaurization, after the investigation was complete I faxed over a copy of the police report to all 3 credit bureau, transunion and experian did there due diligence and remove the FRAUDERLANT account/credit, when I came to EQUIFAX, they took more than 30 days to get anything done, and they also allow two of the FRAUDERLANT company to go in my credit report to view my report after putting a freeze on my report, EQUIFAX never did any type of INVESTIGATION, I was told that the way XXXX XXXX  XXXX and XXXX XXXX was able to verify the account was by saying that my social security number, name and date of birth matches, and that's the way they was able to verify, that is not verification, I asked EQUIFAX to send me a copy of the written agreement with my physical signature, EQUIFAX said that the creditors did not provide them with that's INFORMATION, so how is it the creditor able to verify, my information was also stolen in XX/XX/XXXXand someone even file tax with my personal information, and was also part of the EQUIFAX data breach, and provide d a police report to all three credit bureau. But EQUIFAX did not do there due diligence.
Consumer complaint received 2018-01-25
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

I got a phone call from my sister on XX/XX/XXXX, stating at a company was trying to reach me regarding a debt. She gave me the number XXXX and claim # XXXX that they gave her. I called the number and didn't hear how they answered or the business they were with. They asked for the last 4 of my SSN and then repeated the entire number back to me. They told me they were contacting me about {$800.00} I owed Ace Cash Express from XX/XX/XXXX and asked if I intentionally closed my old bank account because they were looking at legal ramifications. I told them I never closed the account and it was never intentional, but I was going through a rough time and had paid the debt down to {$600.00}. I asked them the name of their company and they told me " This is statewide. We are a pre-litigation firm. '' They asked if I'd been served to appear in court at work or home and I said no. I told them I could pay the debt next month and then they said they needed to pre-qualify me for a payment arrangement and asked how often I got paid. I then asked them to mail me something in writing so I could verify the information. They refused, saying that if they did that, they couldn't help me and the company would be forced to have me appear in court. I told them I was just asking for verification of the debt. She told me she would transfer me to case management and when I said I just wanted it in writing and she wasn't helping me, she tried to transfer me again. I cut her off, saying to have a nice day and she screamed into the phone " have fun in court! ''
Consumer complaint received 2022-01-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Robinson, Reagan and Young PLLC (TN)

I called XXXX and made payments directly to them. I still have {$98.00} remaining to pay. I still have debt collectors calling me from Robison & Regan daily from multiple different numbers throughout the day. Leaving several voicemails stating this is a very important call for ( my name ) trying to collect a debt. I have talked with them before and let them know I worked out payment arrangements with the actual company itself to whom I owe money. The amount {$230.00} they are claiming they need to collect from me is incorrect. I want Robison and Regan to stop harassing me daily with numerous calls and voicemails. Also the balance reflected of {$230.00} is incorrect and it affecting my credit. This is not an accurate balance on my credit report and I want this updated immediately. I will be happy to provide receipts, & phone number where XXXX can be reached for proof the balance Robinson & Regan collections agency is trying to collect from me is incorrect.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In Accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report A XXXX account has violated my rights. Account : XXXX XXXX XXXX. The credit bureaus stated my account was properly investigated but how is that possible if the account number is inaccurate, the account status is inaccurate, payment status is inaccurate, the date last reported is inaccurate, the date last active is inaccurate and also the date of last payment is inaccurate. This is grounds for removal they also violated my rights under 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 an account without my written instructions. I have attached images of the inaccuracies being reported on my credit report.
Consumer complaint received 2017-09-13
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. (KY)

I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
Consumer complaint received 2018-01-29
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. (MI)

Transunion has refused to remove a voluntarily dismissed Chapter XXXX Bankrupty filing ( reference number : XXXX ) from my credit report causing me prejudice and damage. The filing was voluntarily withdrawn by myself and dismissed by the court therefore it was never a bankruptcy and should not be adversely affecting my credit report. My creditors were not harmed in any manner by the filing nor the withdrawal/dismissal and they did not experience any financial loss whatsoever in any manner therefor this item should not be allowed to cause me prejudicial damage.
Consumer complaint received 2018-01-29
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (AZ)

XX/XX/XXXX I completed a refinance with XXXX XXXX XXXX, as a part of our agreement, I agreed to pay XXXX beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by XXXX. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from XXXX, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called XXXX and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from XXXX for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact XXXX they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and XXXX made the payment XX/XX/XXXX. Since that date I have continued to get bills from XXXX with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XX/XX/XXXX/XX/XX/XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +
Consumer complaint received 2015-06-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (TX)

Resurgent Capital Services has been billing me for a debt which I have disputed. I sent them written notice and also called them back after they had contacted me at my place of employment along with numerous other phone calls. They sent me another notice XXXX XXXX, XXXX with Historical account information where they claim this was an XXXX XXXX XXXX XXXX XXXX, original collection date of XXXX/XXXX/XXXX with a charge off date of XXXX/XXXX/XXXX and their information saying the debt was acquired XXXX/XXXX/XXXX from XXXX XXXX XXXX. So now in XXXX they want to open up and collect on something from XXXX, how is that possible?? Resurgent claims the original amount at time of acquisition was {$180.00} and they are adding Interest of {$160.00} for a total of {$350.00}! I have repeatedly advised that this bill is not valid or due, and something going back so many years?
Consumer complaint received 2016-02-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (CA)

RE ACCOUNT # XXXX CLIENT REFERENCE : # SAME COLLECTIONS ACCOUNT # XXXX XXXX CONTINUE TO GET OUTSTANDING BILLS FROM \XXXX XXXX XXXX. WHEN I SIGNED UP IT WAS ONLY A MONTH PROMOTION FOR XXXX A WEEK. I HAVE CALLED TO CANCEL AND CANCEL AND I STILL GET BILLS. NOW I AM IN COLLECTIONS SO I AM VERY UPSET.
Consumer complaint received 2018-01-30
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: AMERICAN HONDA FINANCE CORP (CA)

I received a late payment alert on XX/XX/, I called Honda and they acknowledged that I did receive my payments and needed to turn my vehicle in. I explained I had already returned my vehicle and gave them dealer information. They still reported a 30 day late, I disputed with the credit bureaus and was able to remove the late from 1 of them. But 2 bureaus was not removed. I sent a letter on XX/XX/XXXX, they sent me paperwork showing my payments which were not late but still reporting a 30 day late.
Consumer complaint received 2018-01-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BB&T CORPORATION (WI)

On XX/XX/XXXX, the XXXX XXXX XXXX ( XXXX ) repossessed my vehicle, XXXX XXXX XXXX VIN # XXXX from my residence. XXXX 's manner of repossessing the vehicle is illegal in the State of XXXX. XXXX did not notify me by certified or registered mail of a right to cure and repossession which did not give me the rights to challenge the repossession.
Consumer complaint received 2018-01-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

yes XXXX XXXX XXXX collecting off XXXX XXXX after 10 years of this bill she got {$660.00} still balance {$1700.00} pay for court ssi taxes XXXX michigan takeing it from XXXX leaveing her with {$0.00} amount. steeling XXXX XXXX   yearsold women.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CA)

The following inquiries appeared on my credit report without my knowledge or permission. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Consumer complaint received 2018-01-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NE)

XXXX XXXX is not working with me to set me up on a payment plan that I can afford, and is now taking me to collections for an amount well above what I actually owe. XXXX XXXX  has straight up told me on several phone calls over the last 3 years that they do not offer payment plans and I just need to pay them what they say. Over the last year I have not received one phone call, email, or letter asking for a payment or to help with a payment plan until I got a letter saying in in collections for {$20000.00} when my loan amount was {$13000.00}. It is unfair and unreasonable for them to set a blind number and expect someone to pay it and refuse any other type of plan.
Consumer complaint received 2018-01-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA (MA)

I have previously issued a complaint about this. I had an issue with this company reporting my account in delinquent status incorrectly. I did not pay the taxes due on the vehicle waiting for an abatement from the state. There was a balance of {$31.00} due after the abetment. XXXX never sent a new bill just reported my account as delinquent on the full balance of the lease which is dragging my credit score down. They keep telling me they fixed the issue but it is still showing up on my credit report as seriously delinquent.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (PA)

I initiated a balance transfer of {$10000.00} with my chase freedom credit card and the check for {$10000.00} posted on XX/XX/XXXX in my account. At the time of initiating the transfer the terms and conditions stated 12 months from check posting. Now chase customer service tells me that the promotional balance transfer expires on XX/XX/XXXX.
Consumer complaint received 2017-07-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Whitestone Financial Holdings LLC (NC)

On XX/XX/XXXX with whitestone financial I started the loan for a 24 month term at XXXX. My loan stayed current up until XX/XX/XXXX when it was past time for my payoff. The company stated that they went an added interest to a loan that was paid off due to a mistake of theirs for not adding in my loan. They went back 2.5 years worth interest which would cause me to double pay on the car. This is illegal and not fair. I told them I could not afford to repay for the car so they took the car and put it as a voluntary repo on my credit
Consumer complaint received 2018-01-26
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. (MO)

XXXX XXXX is a credit reporting outlet that get it information from credit reporting agencies transunion, XXXX and XXXX. The problem is they are reporting incorrect information about my credit from these agencies. They have that I owe {$5700.00} from XXXX XXXX XXXX and that I owe {$250.00} to XXXX XXXX XXXX. 

I owe XXXX XXXX XXXX and XXXX XXXX Nothing. My credit report should show both these accounts with a XXXX Balance Owed. 

I want an Investigation as to why XXXX XXXX keep reporting incorrect information. 

Waiting to hear from you. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I implore you to take immediate action to get these unlawful inquiries removed from my credit report. They are seriously upsetting me, and I can verify this with the paperwork I've given. Please look into this situation as soon as possibl
Consumer complaint received 2022-01-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (IN)

On XX/XX/2021, a money transfer ( 950 USD ) was made to XXXX through Moneygram ( reference number XXXX ), deposited in a bank account ( XXXXXXXX XXXX  ), the funds should be available on XX/XX/2021, however the Money was not deposited to the destination account, we spoke to Moneygram, and they affirmed that the money was deposited, we told them that it was not like that, and they proceeded to raise a clarification ( XXXX ) to see where that money is, and they gave us time response of almost 6 months, every time we call them to see if there is any progress, they only say no, and that we should wait.
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX, a capital one account was created by one of my  financial assistances. I didnt find out about it until XXXX, when she got fired for identity theft. I tried to remove the credit card from my credit for 2 years now but capital one said all the information match to me. So Im stuck paying for the debt.
Consumer complaint received 2024-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

am writing to dispute an inaccurate entry on my TransUnion credit report. There is an account listed under the name " XXXX XXXX XXXX '' that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the XXXX XXXX XXXX account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).