davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXXXXXX 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 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 2020-07-19
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2022-10-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (FL)

I saw a collection account on my credit report from Convergent Outsourcing for {$120.00}. The debt showed that it was for XXXX and I still had an active XXXX account. I called XXXX to see if I owed them anything, since no letters were ever received from XXXX, and they told me no. My account is up to date and I have {$0.00} balance. Since then I started a long journey of trying to remove the collection account from my credit. I called Convergent Outsourcing more than 100 times since I started and every time they told me I have to pay and would just hang up. I was able to get to a higher department and we had a 3-way call with XXXX where XXXX collection dept confirmed I did not owe anything. However, they said they did not care and I still owe the money. I was out of options as they are very rude every time you call them and do not want to cooperate with me at all. On XX/XX/2022 I sent an oficial debt validation letter to Convergent Outsourcing and received NO response at all. At this point they are breaking the law Under the Fair Debt Collection Practices Act ( FDCPA and I am demanding for this collection account to be removed from all 3 of my credit bureaus.
Consumer complaint received 2021-09-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

I was in the process of paying off other accounts that I needed to pay to secure a loan. In the process, I called the company that had an old account that was in the bankruptcy department in order for me to speak with this department I had to give my name and the representative on the line attempted to gather more information from me to search for other accounts after insisting that I speak with a supervisor and telling the woman I am calling for the bankruptcy department she had to transfer me. After that call, the same company went and just out of the blue put an old account on my credit report out of nowhere. When I called them and told them I had no knowledge of this account and I had never received a bill from them or never opened an account in 2020 I had no idea what this XXXX bill was. I told her that they must be trying to collect on a very old debt or it wasn't mine she said no I see your other accounts those we can not sue or collect from you on but this one.I am telling you we can. I ask her to send me proof of this account being mine and they never did. But they are still reporting against me just out of the blue. I tried disputing it with the credit agency but they just keep putting it back up there even tho the company still has not provided proof of this debt.
Consumer complaint received 2020-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (WA)

I have been paying my loans for now 26 years on a my 25 yr loan only to be told I owe XXXX still. Fedloan is a predatory lender by definition offering loans to unemployed students with no credit based on future or potential earnings. My loan was NEVER with them. I have repeatedly asked for official copies with my official signature which they will not provide. They then send an email ( which I provided ) saying its in my online acct. I have never signed up for nor signed into an online acct. Now during suspension by the govt I get mailed copy saying i OWE {$1400.00} to cover the interest for the quarter ( my original monthly pymt was {$130.00} ). This is ridiculous. I paid my debt with my original servicer and am now being harassed by a company stock piling interest with no real option to working out a contractual deal if there is even a need for one. I am also part of a lawsuit against XXXX XXXX XXXX who took my loan on a forgiveness program.. again I have never had a loan with Fedloan Servicing and am tired of being treated like a piece of garbage by this unethical company
Consumer complaint received 2022-09-13
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. (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions Here are the following XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$30.00}
Consumer complaint received 2022-09-13
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. (GA)

In accordance with the Fair Credit Reporting act 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 an account without my written instructions Here are the following XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$300.00} XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$30.00}
Consumer complaint received 2020-05-01
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. (NC)

This letter is a request based on empirical evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX XXXX. 
The United States, 328 F.3d 132, 139 ( 4th Cir. XX/XX/XXXX) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; a detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed.XX/XX/XXXX ). 

The inaccurate information you are currently reporting has affected my chances of getting loans and credit. I have already given notice to the creditors below to Cease and Desist reporting inaccurate information about me to any CRA.
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (FL)

Zelle XXXX with XXXX. I was scammed by a fake company known as XXXX XXXX XXXX. They asked for payment through Zelle, and then disappeared. XXXX and Zelle could not refund me my {$300.00} because Zelle has some non-refundable policy.
Consumer complaint received 2019-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NC)

On Friday XX/XX/XXXX, I opened a checking account online with TD bank. Account number XXXX. The process was handled fully on the internet and I did not phone in or walk into a branch. 

An opening deposit of {$25.00} was pulled into the account and I enrolled in direct deposit with XXXX XXXX to have an additional {$500.00} transferred into the account. 

Today XX/XX/2019 I attempted to log in and received a message to call in at XXXX. I phoned in and was told my account had been restricted. I was told the account could not be closed and funds could not be moved unless I walked into a branch. I stated that I was not in proximity to any branches and that I had opened the account online. I was told there was nothing that could be done and that only my local branch, located in South Carolina could assist. I was given a phone number for that branch as XXXX. I called and was told by a manager that they would need me to physically visit the branch which is located several hours away from my home in XXXX, North Carolina. 

I am being told my money is held and restricted unless I physically visit a branch, after handling everything online with the opening and verification process. I need my money returned to me.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (OH)

I have submitted a dispute on this account by Santander multiple times starting on XX/XX/2019, XX/XX/2019 and XX/XX/2019. They have not supplied adequate paperwork show who this account belongs and how much it was sold for or anything that pertained to the account. They never supplied there method of validating the debt they just said it belongs to me.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

On XXXX XXXX ... Experian received my XXXX Express Mail Letter File Number XXXX ... 
This is after they sent me their Dispute Result Letter which I received on XXXX XXXX The Disputed Negative Account was for XXXX XXXX XXXX  ... Account Number XXXX This a Fully Paid Closed Account.. 

The Account shows a Late Payment on XX/XX/2015 ... There was Never any Late Payment..This Information is Incorrect ... 

XXXX  shows it as Fully Paid with no Late Payment
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS AND THESE ACCOUNTS SHOULD BE DELETED IMMEDIATELY CONSIDERING THEY ARE REPORTING INACCURATELY WHICH IS A VIOLATION OF FCRA.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

THE ACCOUNTS ARE REPORTING INACCURATELY AND SHOULD BE REMOVED DUE TO VIOLATING THE FCRA ACT!!!! THERE IS NO WAY THESE ACCOUNTS SHOULD CONTINUE TO REPORT INACCURATELY I AM HIGHLY DISPLEASED AND I HAVE NOT GOTTEN ANY INVESTIGATION RESULTS
Consumer complaint received 2020-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

This account XXXX XXXX finance has a zero balance and 100 % on time payment. Its reporting 2 90 day late payment status and a remaining balance of XXXX. This is incorrect. There is no remaining balance the account is current and CLOSED. Not charged off and never late.
Consumer complaint received 2019-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (MA)

Our loan got sold to this company in XX/XX/XXXX/XX/XX/XXXX when we refinanced. It went to XXXX XXXX and then they sold it to Lakeview Loan Servicing. We got our first statement/bill in the mail from Lakeview Loan Servicing and sent it out on XX/XX/XXXX. ( It was due on XX/XX/XXXX XXXX. The payment goes to a PO Box in XXXX Pennsylvania. Were coming up on five weeks later and they still havent cashed our check. We have called customer service numerous times and explained what is going on and they have told us that everything will take a while to transfer. They have no communication with the place that receives the check payments. They dont know where our check is. They havent sent us another statement for XX/XX/XXXX yet. They keep telling us that we should keep waiting, but were very concerned with this company and theyre professionalism. We dont want to get behind on our payments but we also dont want to be slapped with double payments all of a sudden.
Consumer complaint received 2022-01-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (MD)

Moneygram online services. Attempted transfer to Debit card in XXXX. Promised availability for same day however it has been XXXX weeks since initial date of transfer, it has not been completed or received as intended and Moneygram refuses to refund my money. I verified all the information prior to starting the transaction.
Consumer complaint received 2020-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020, I submitted information to TransUnion about fraudulent inquiries and a fraudulent account on my credit report. I submitted all my information along with supporting documents proving the activity was fraud, thus is very frustrating to me because it caused me to be denied on a home twice that Im trying to purchase. I dont understand why its so hard to remove the inquiries and the fraudulent account from my report. I got a response stating that they were working to fix the problem, but I still have the fraudulent inquiries on my report.
Consumer complaint received 2020-07-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MN)

Experian I strongly believe your company is refusing to conduct A proper investigation on my behalf And I strongly believe you are violating the FCRA. Claiming that you cant verify me when disputes are sent by no other than me with proper documentation and identifying myself. I have sent you factual base evidence of negative and violation thats reporting on my credit file and your office refused to remove or do a proper investigation on this XXXX day of XX/XX/2020 Im requesting your office to provide me a copy of everything in my credit file this will need to to include every dispute that you claim you conducted with dates of the result also alll credit contracts and credit application that your office should have on file in order to report. I know your office will say you are not required by law to send that information in which I know that is not true the law is clear your office should have contract copies of credit application in the consumer credit file and I need that information sent to me fcra 609 clearly stated that I have the right to asked and that you would have to provide this information upon request I will be waiting
Consumer complaint received 2022-09-13
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 (MS)

I am reaching out to someone because I have been making student loan payments for years. Although I have not paid 120 payments, I have paid large amounts of payments on my loans and feel that the amounts continue to go up instead of down. I know that I recently restarted a graduate program but even before the graduate program, my loan amount was still high. I have been working and paying back my loans ever since graduating from school and feel that money keeps getting added to my account. I want a full investigation launched into my account as I am reporting this to the XXXX XXXX XXXX and state auditor 's office. This is ridiculous that someone who has paid over {$96000.00} and still owe over {$100000.00}.
Consumer complaint received 2021-02-27
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. (CA)

Hello, I am submitting this complaint in a seek of help with dealing with credit reporting agency such as Experian. My credit report is showing 2 account that have been charged off and still showing balance. Account in Charged Off Status, But Still Reporting Current Late Payments. A common FCRA violation is when a creditor posts late payments after the debt has charged off a past due balance. Documenting this violation with credit reporting agency after they have been notified of violation and completely ignoring the issue has caused me in unfair credit rating and a quality of my life. I am asking to please help me resolve this matter with Experian and create a lawful and fair reporting on my credit report. 

Thank you
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (AR)

I bought a new XXXX and had it financed through Hyundai XXXX. I sold the car to the dealership whom I purchased it from on XX/XX/XXXX. I have patiently waited for Hyundai XXXX to report on my credit that the car is either paid off or no longer my responsibility. My credit report still shows the car loan active as of today XX/XX/XXXX. I purchased another car, and my credit report currently shows I have {$60000.00} in car loans. This is negatively affecting my debt-to-income ratio and keeping from refinancing or getting other loans. I have contacted Hyundai XXXX multiple times and have been promised the issue will be resolved and it has not been.
Consumer complaint received 2020-05-01
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Direct Capital (TN)

Called from XXXX. Announced himself as XXXX XXXX, an officer of Direct Capital. Says hes calling about a legal claim his office will soon file against my social security number. He wants to speak with either me or my counsel, in order to obtain a statement of intent for repayment. Says, this is a time sensitive matter ; in order for this to not go into a legal setting, they need to hear from me by close of business tomorrow. If they dont hear from me, a decision will be rendered and all rights forfeited. Gave an office number of XXXX. Called back repeatedly after being asked to discontinue calling, became profane and threatened to sue me and that " he would not go away ''
Consumer complaint received 2022-09-13
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)

I have reached the peak of my patience because of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have failed to provide. The following accounts which I believe to be reporting erroneous information must be deleted under the provisions of the Fair Credit Reporting Act : XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX 7476**Balance Owed : {$2500.00}