davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance XXXX {$14000.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$24000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/2023 ; XXXX XX/XX/2023. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-02-20
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. (CA)

I received a copy of my credit report and noticed some hard Inquiries that I don't recognize. 

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 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (NH)

On XX/XX/XXXX, I made a payment on my Discover credit card due date, and two payments were pulled from my checking account, in the amount of $XXXX each, totalling $XXXX. I called Discover on XX/XX/XXXX, and the customer service representative said that I would receive a check within 7-10 business days. On XX/XX/XXXX, I still did not receive the check, so I messaged Discover on the app, and the person wrote back stating that I should receive the check within the 7-10 day range. On XX/XX/XXXX, I messaged again because I still hadn't received the check, and the representative wrote back stating that she could issue the refund electronically, but it would take 4-5 days. On XX/XX/XXXX, I messaged again, and the representative said that if receive it on XX/XX/XXXX. Today is XX/XX/XXXX, and the representative is saying that Discover cannot issue a refund because I don't have enough available credit. The extra payment was taken on their error, and my payment was never late.
Consumer complaint received 2016-12-22
Product: Prepaid card — Payroll card
Issue: Managing, opening, or closing account — 
Company: Neon Newco Corporation (MA)

This company is very crooked. I am a XXXX for someone and this company closed my account as soon as my direct deposit hits the account. ROUTING ) # : XXXX ACCOUNT # : XXXX DIRECT DEPOSIT. causing my bills to be late and maybe a eviction. Thanks XXXX XXXX XXXX
Consumer complaint received 2015-06-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P. (IL)

I canceled my XXXX XXXX service, returned the equipment and paid the bill. XXXX misplaced the equipment and/or mis-shuffled the paperwork. {$260.00} charge was sent to Southwest Credit Systems ( SCS ) collection agency. XXXX has since acknowledged I was never in debt. 

SCS is reporting {$260.00} on XXXX credit report and after phonecalls and letters they are unable or unwilling to remove it. Just today I noticed a {$18.00} charge-off account on my XXXX report - only a matter of time before something appears on XXXX and who knows where else. 

XXXX of the phone calls to SCS, I was told that they acknowledged I did n't owe {$250.00} to XXXX but asked that I pay {$18.00} for some reason. I am not responsible for any charge as I returned my equipment and did nothing wrong.
Consumer complaint received 2018-01-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS took over as loan servicing for our HELOC in XX/XX/XXXX.  This is our second complaint with them.  To date, they have not resolved this situation and in fact the situation has gotten even worse.  After going through all payments, I discovered that the account number was off by one.  I forwarded the information to them, as they have accepted payment anyway, corrected the account number on our bill pay service and have been submitting payments under the corrected account number.  They have since refunded all monies submitted under that number.  I also sent all documentation into the company per the previous complaint and they have taken no action or been in communication since their initial response letting me know that hey had received my correspondence.
I request that this gets handled immediate, that all funds that I have paid to them be credited to my account and all future payments be credited immediately to my account.  I also expect that nothing will be reported derogatorily to the credit agencies regarding this matter.

Here is a copy of the latest e-mail that I have sent to them, without any resolution to this matter that was sent to them on XX/XX/XXXX

Cc: XXXX XXXX 
Content-Type: multipart/mixed; boundary="XXXX"

--XXXX 
Content-Type: multipart/alternative; boundary="XXXX"

--XXXX
Content-Type: text/plain; charset="XXXX"; format=flowed; delsp=yes

Good Afternoon,

Please see the attached summary of this account and the bank statements for
proof of payment for the above referenced loan. I have outlined each
payment on each statement for your reference.  As you can see, there has
been 2 payments, one for the regular payment due on this account and one
towards principal only, each month since SLS has taken over the servicing
of this account in XX/XX/XXXX

In researching these payments to resolve this discrepancy between your
records and mine, I have found a possible error in the payments to SLS.  It
is possible that payments have been submitted by our bank bill pay system
to an incorrect SLS account number: XXXX. The correct account number
is XXXX.

In my experience with SLS, this problem could have easily been solved in
XX/XX/XXXX has customer service representatives been better informed with
the facts at hand.

I have cc'd my attorney, XXXX XXXX XXXX, on this correspondence.  It is
with my permission that you are able to speak with him with this matter
should the need arise.

I look forward to the payments I have made to SLS being correctly credited
to my account immediately and to the hasty resolution of this matter.

Thank you

XXXX XXXX
(XXXX) XXXX

--XXXX--
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

I was promised a credit for the XX/XX/2018 interest by multiple Walmart/XXXX XXXX reps over the last 3-4 weeks. Then when I check the site, nothing happens. I contact Synchrony and they give me a form letter and explain fees to me. I understand the fee process and I don't need the form letter. I was promised the credit for the XX/XX/2018 interest in the amount of {$100.00} and they refuse to live up to this promise! In addition, the response I was given by a XXXX XXXX XXXX, stated and I quote " We attempted to contact XXXX XXXX but were unsuccessful ''. Well, I have ZERO record of a phone message from this person and only got an automated response from her in an email saying she was looking into this. I was never contacted after that and that statement is misleading and false.
Consumer complaint received 2024-02-20
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. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (NC)

I have attempted to resolve the following issue with the company listed on multiple occasions. They are attempting to collect on a debt not owed of XXXX for medical. I have not any record acquiring of such debt, nor has the company provided any proof of validation or signed documentation that we have ever done business. I have requested that they remove the following item from my report and they have failed to comply or provide a response to my request.
Consumer complaint received 2018-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Jim Bottin Enterprises, Inc (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX My account reference Number : XXXX This company runs the accounts for XXXX XXXX a health club that automatically deducts a membership fee every month. This is fine since I signed the contract, however, when calling to cancel and talking to a representative that took express detail to ensure she called up the correct account I now have to write a letter and wait at least 30 days after the letter is received to cancel my membership. This will ensure multiple payments are additionally charged to my credit card. This should have been handled immediately on the phone.
Consumer complaint received 2019-05-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Reported negative information to credit report. Debt may be result of ID Theft and is unauthorized, and not mine. My statement to credit reporting agencies is : Personal Statement ( s ) on my frozen credit file since 2017 : XXXX17 XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX17.
Consumer complaint received 2018-01-09
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. (NV)

Trans Union Credit Report Agency has included in my personal credit report information from other credit information obtained by XXXX, XXXX XXXX XXXX, XXXX, TX XXXX phone ( XXXX ) XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX phone : ( XXXX ) XXXX and placed it in my Personal Credit Information files. Trans Union action to freely place such incorrect information from XXXX and XXXX XXXX is damaging to my financial records since these 2 credit report agencies : XXXX and XXXX XXXX have different methods to calculate credit reports beneficial to the consumer. I found Trans Union action to place the reports from XXXX and XXXX XXXX without my approval being ILLEGAL and damaging to my financial needs.
Consumer complaint received 2022-04-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (AZ)

See all the complaints associated with my name. They all are the same and will continue until justice is served. 

Wells Fargo committed fraud against me. Wells Fargo continue to respond to my complaints with fraud. First it was XXXX XXXX, and now XXXX XXXX Who will respond next and allow themselves to be conspiracies of fraud. See the attached documents. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX Your response to case number : XXXX is fraudulent. It was total ignorance on my part to think Wells Fargo would respond with honesty, standing by the myth of trying to make things right from violations that occurred by Wells Fargo. The repossession was not deemed valid. The repossession was from an error Wells Fargo made. See attached documentation that came from Wells Fargo dated XX/XX/XXXX. 
You applied unnecessary XXXX insurance on my file from XXXX XXXX  XXXX XXXX XXXX  XXXX, according to these documents you provided. The late admission of guilt excluded me from receiving compensation with the class action lawsuit, Case # XXXX. 
Respond to the illegal acts Wells Fargo committed against me which now has a case # XXXX ( XXXX ) Stop breaking down XXXX insurance, negating the fact that Wells Fargo made countless errors on my file and continue to cover it up. Show proof that Wells Fargo acted in accordance to the XXXX XXXX XXXX. 
Address why Wells Fargo agrees to pay the additional {$28000.00} offered through mediation. The {$28000.00} doesnt reference that due to non-payment and the account being 102 days past due. Why offer an additional {$28000.00} on top of {$5600.00} if Wells Fargo didnt make a mistake? 
Stop your fraudulent behavior. Were is your code of ethics? 

XXXX XXXX
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (WI)

Springoaks has degrogatory remarks on credit report, never received anything from these people, never given right to dispute or validate, im tired of all these companies getting away with reporting whatever damaging my credit..im on XXXX and tired of it all by ALL these people.
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (MN)

All of 2020, I was attempting to work with Sallie Mae regarding a payment plan to help my son and me during the pandemic. Sallie Mae 's systems messed up my payments three times. First, it had the wrong zip code as my credit card. Then, it was kicking my credit card out, and wasn't taking my payments. Finally, I just learned that one loan was setup for auto-debit but not the other one. I spoke to Sallie Mae on the phone to set up auto-debit. Had I not looked it wouldn't have been set up for the other account. This would have resulted in more negative marks on my credit just as last year!
Consumer complaint received 2022-09-11
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. (NY)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- > XXXX  XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX have violated my consumer rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Multiple phone numbers claiming I owe an old debt. Ask for my personal info. I requested a debt validation they asked for my address. This company is not reporting to the credit bureau and cant provide a debt validation with out me giving my personal info first. I requested they do not contact me several times.
Consumer complaint received 2021-07-13
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (LA)

Well the scammers had put XXXX into Wells Fargo bank account and that money was from the PPP loan and after the fraud department did some investigation on my account they return the money but in order for me to close this account for good I had to find who to return the PPP loan money back too
Consumer complaint received 2021-02-08
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. (NC)

Experian has a credit card account from XXXXXXXX XXXX listed on my credit report which does not belong to me. I checked with XXXX in early XXXX of 2021 and they have no record of a credit card account with my social security number. I disputed the account with experian in XXXX and they did not drop it from my report. I disputed it again because it is inaccurate and received a denial again today. I do not know who the account belongs to but fortunately it does appear to have been paid every month.
Consumer complaint received 2021-08-07
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: Experian Information Solutions Inc. (IL)

I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet. 

Original sent XX/XX/21 Sending second validation request XX/XX/21
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Credit Bureau Transunion, XXXX, XXXX I am A Victim of Identity theft I am want to request updates to my personal information and to ensure the accuracy of my credit due to credit report and identity theft in compliance with the Fair Credit Reporting Act ( FCRA ). 

Please update my personal information as follows : Name Update : Please update my name to XXXX XXXX XXXX. Attached, you will find supporting documentation for this change. 

Address Update : Please update my current address to the following, which is accurate and deliverable : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date of Birth and Social Security Number Confirmation : For your records, my date of birth is XX/XX/1990, and my Social Security Number is XXXX. 

This information is critical for accurately maintaining my credit file. 

Removal of Previous Addresses : I also request the removal of all previous addresses associated with my credit report. These addresses are not deliverable by the US Postal Service, and fraudulent due to identity theft making them inaccurate and not reportable under the FCRA. Ensuring that these addresses are removed will help in maintaining the accuracy and integrity of my credit information. 

I trust that TransUnion, XXXX, and XXXX will take prompt action to update these details and remove the inaccurate information as required by law. Enclosed are copies of documents that verify my identity and support the requested changes ( e.g., government-issued ID, utility bill for the new address, Social Security card ). 

Please inform me in wrong once these updates have been made to my file. Should you require any additional information or documentation, feel free to contact me. 
Thank you for your attention to this matter and for your cooperation. 

Sincerely, XXXX XXXX XXXX Attachments : Proof of Identity ( Copy of Driver 's License or Passport ) Proof of New Address ( Utility Bill, Lease Agreement, or similar
Consumer complaint received 2024-02-16
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. (TX)

I wish to dispute the following information found on my TransUnion credit report. 
I was a victim of ID Theft. There are inquiries on my TransUnion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX TransUnion XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion -XXXX Lumber, building material, hardware XX/XX/XXXX TransUnion XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2021-03-24
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Robert A. Schuerger Co., LPA (GA)

I received a letter from XXXX XXXX XXXX  on around XX/XX/XXXX stating they were collecting a debt. I have no idea about this debt or what it was for. I replied via certified asking them to validate this debt and I also asked that they cease and desist all electronic communication with me and my family as they were calling me and members of my family non-stop. I sent this letter certified and it was received in their office by XXXX  XXXX, or something similar, as per the USPS return receipt. As of today, XX/XX/XXXX, no information concerning this debt has been forwarded to be and the calls continue to harrass me and my family. I called the office this morning and spoke with XXXX XXXX who refused assist in the matter and informed me to " report the infraction to whoever I wanted, that he didn't care ''.
Consumer complaint received 2018-01-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (TX)

I received an escrow analysis in the mail from my mortgage company, Freedom Mortgage, dated XX/XX/XXXX. It informed me that there is an escrow shortage of {$18000.00} on the account. This is the only notification I received. This shortage is fromXX/XX/XXXX and XXXX. I bought my house in XX/XX/XXXX I was told by a representative from Freedom mortgage that the shortage is from property taxes that were underestimated but that they have already paid them and need me to reimburse them. My regular mortgage payments were {$1900.00} monthly and starting XX/XX/XXXXI will have to pay {$4100.00}. I ca n't afford to pay that amount and I feel that it is unfair to make me pay the {$18000.00} when I was not notified.