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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2021-09-09
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. (PA)

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by EQUIFAX. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, EQUIFAX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below was the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX
Consumer complaint received 2020-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I Disputed in XXXX, XXXX, and XXXX of 2020 with XXXX  and Transunion credit bureaus about verifying the account of XXXX XXXX account XXXX XXXXXXXX. I asked for verification with XXXX XXXX account XXXX  XXXX, and I received no response from them all three times. XXXX and Transunion replied that this account has been verified by the Fair Credit Reporting Act but I have not received anything from them nor have they shown me their methods of Investigation. I don't believe either bureau did a proper investigation or if they even investigated this account at all. I'm asking help from the CFPB in order to correct this issue by the credit bureau doing a proper investigation and deleting this unverified account. thanks.
Consumer complaint received 2017-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates (MD)

My name is XXXX XXXX, D.O.B XX/XX/XXXX and Social Security Number is XXXX. On XX/XX/XXXX I discovered L J Ross Assoc for XXXX had been re-inserted onto my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc (MA)

I ordered something on XXXX XXXX XXXX XXXX on XXXXXXXX XXXX from affirm company was a scam they took out 3 payments so i stopped the last payment and now affirm is sending me charge offs after i told them that i never received product and the company they have listed is a fraud scam i keep getting the run around with affirm they said they favored in the merchant after investigation i dont know how they could of if i never received anything and the merchant XXXX XXXX  website and phone number is now disconnected my credit is good and now with a charge off its ruining the chances of me trying to buy a house right now all they keep saying to me is pay the payment that is fraud ive been so stressed out over this. Wanted to know what my next step is i can do ive tryed a few thingsfrom calling the fbi fraud they are a joke
Consumer complaint received 2022-08-10
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. (NJ)

Equifax is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand equifax remove two collections accounts, late payment inquiries and hard inquiries from my report.
Consumer complaint received 2017-07-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated (FL)

The credit agency still have not sent a letter to my home to update account as paid in full. The agency coded the account as a XXXX balance/ charge off on all credit bureau. The account was in fact paid in full. The agency will not report correct information on my credit report. I have screenshot proof to support my claim
Consumer complaint received 2017-07-31
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

I am submitting this complaint against US Bank due to the disparate treatment that I have experienced in reference to my account closure. While I understand from the replies ( verbally ) that I have received from multiple Bank Representatives that all accounts that I currently have, 2 checking accounts, and one savings account, are being offset due to an overdraft amount in one checking account ( 2nd account ), I was also informed that when my Federal Pension is deposited - the one checking account that is overdrawn ( 2nd account ), that account will subsequently give the Bank authorization to hold my Federal Pension that is regularly deposited into my original 1st account. In addition, I was informed that the Federal Funds will have to be verified before release, and once released, the Bank will process a Cashier Check within 10-15 days for mailing. Specifically, this information was provided to me by the US Bank Risk Department that is handling the closure. I am not in agreement with the Bank 's decision to hold my Federal Funds, as these Funds are verifiable. This is my income that has been deposited to this Bank for over 10+ years. If I do not have my Funds released, I will ultimately be late with my Mortgage Payment, Insurance, etc., and I will hold US Bank accountable for the distress, and damages that will occur because of their action. Accordingly, I have reached out to the local Branches to speak with Branch Managers, District Manager Assist, Operations Manager, and Representatives/Supervisors at the US Bank Call Center. I have been given different dialogues, as well as being pawned off to different departments. For example, the Risk Department advised me on many calls to reach out to the Branch Managers that oversees each particular account, when I do so, the Branch Managers tell me that, that is the wrong information and they can not do anything about it, and go back to the Risk department that is closing the account. This type of activity has taken place for one week when I have tried to reach out. While I understand that the Bank has made a decision to close the account due to the overdrawn status and subsequently, my mishap of resolving the overdrawn amount, by no means am I inagreement for the Bank to withhold my Federal Pension. When the Bank offsets my account, they should re-coup what is owed to them, and release my Pension Funds immediately at time of Federal Pension deposit, minus the off-set. Additionally, I contacted my Federal Pension Personnel Department in XXXX XXXX to report the matter, and I was advised, the Banks action is illegal, and advised what steps to take to report and file. Furthermore, I also request the Consumer Financial Protection Bureau to assist with outreach of my complaint for direct resolution. Thank you.
Consumer complaint received 2021-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Called to schedule payment and gave them the account information and the account number wasnt correct and the payment never went through agent was working remotely and had terrible phone service I requested them to fix this and they never did.
Consumer complaint received 2017-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc (FL)

Filed with the Better Business Bureau asking for validation of this account as well as have spoken to the company. The company told the BBB that they was sending information. The information received was them asking for all of my personal information. I advised the BBB that what the company sent was a letter wanting all of my personal information. I want this removed from my credit bureau files immediately. The company is using a stall tactic and not responding with a full validation, instead trying to get me to send them my information instead.
Consumer complaint received 2024-03-05
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. (TN)

TransUnion has put a lot of inquiries on my credit that I did not authorize. 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 2022-09-09
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: EQUIFAX, INC. (CA)

I recently reviewed a copy of my consumer, and I noticed that it is reporting an experience with your company.The line of credit I have with your company, is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : XXXX XXXX XXXX, your company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. The cfpb closed my compliant without anything being done which is strange because I just submitted it.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (GA)

Transworld Systems, Inc ( Transworld ) can never provide a contract or written consent giving Transworld the authority to attempt to collect an alleged debt. This is a federal violation of the law and an infringement on my rights to privacy. On XX/XX/XXXX Transworld stating that the account would be closed and there will be no further communication. A trade line on my consumer report is a form of communication. The letter was false and misleading misrepresentation. We deny owing ANY AND ALL debts to Transworld because we never contracted with you. 

We spoke to XXXX XXXX ( XXXX XXXX on Monday XX/XX/XXXX regarding the accounts and she stated that Transworld has 3 accounts in their office. Two accounts with the same number XXXX and another account XXXX. XXXX also submitted another account number in their office which she stated quickly XXXX or similar. 

XXXX stated that she would immediately remove all trade lines, terminate any and all accounts in their office and delete any and all trade lines form any and all consumer reports. XXXX gave a number to reach her ( XXXX ) XXXX which she never answers or return calls. XXXX also stated that she would send a letter via XXXX mail stating the facts herein. 

We informed XXXX that the calls was being recorded even though living in Georgia.
Consumer complaint received 2017-07-31
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: CrossCheck, Inc. (TX)

CrossCheck XXXX XXXX XXXX XXXX Ca XXXX would not process a check thru their system when my elderly mother wrote one due to drivers license valid state. Well my elderly mother does not drive and has a Texas Valid ID card with no expiration date.
Why is their system not set up to process these types of transactions. That is age descrimination.
We were at an eye doctor when this transaction took place. I had the bank on the other line clearing the transaction and Cross check customer service called by the merchant and cross check could not comment on the transaction until it was submitted in writing. Well I did just that and got a response that it was due to no Drivers license.
This is wrong incorrect fair Credit reporting against the elderly. I hope you all contact them and have them correct this type of behavior.
Consumer complaint received 2022-03-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc. (NV)

Received XXXX XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. We have XXXX XXXX XXXX  through XXXX ( primary ) and XXXX XXXX XXXX XXXX  ( secondary ). On XX/XX/XXXX I received a Statement from NPAS INC ( a third-party debt collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They service accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX requesting payment of {$150.00}, I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she conducted a 3-way phone call with NPAS, they claimed it was for Co-pay. She explained that bill had been paid in full and due to dual coverage, no co-pay was due. NPAS was sending account for review. Then on XX/XX/XXXX received statement from NPAS attempting to collect {$4400.00}. Called NPAS again, had XXXX XXXX XXXX XXXX member rep on the call with me. She explained once again that bill was paid in full. NPAS again said account would be reviewed. Received another statement from NPAS on XX/XX/XXXX, for {$4400.00} called again with XXXX XXXX XXXX XXXX member rep on the line with the NPAS rep, again explained to them bill had been paid. Also sent e-mail with attached Explanation of Benefits to NPAS ' " XXXX ''. Received statement again from NPAS on XX/XX/XXXX requesting payment of {$4400.00} again. I am writing to you to attempt to get them off my back and stop the harassment!
Consumer complaint received 2019-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (IL)

Midland Funding LLC # XXXX XX/XX/2016 {$550.00} Midland Funding LLC # XXXX XX/XX/2016 {$1000.00} I get calls from this company all day for a repeat debt that I told them I don't owe. They have called and harassed me and wont stop. I don't owe them any money.
Consumer complaint received 2017-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (PA)

Set up several student loans with XXXX XXXX, who then turned into Navient. Performed SEVERAL forebearances over the years ( due to financial hardships ), and also went through a couple of income-based repayment plans. No information was given regarding these services, and now I have over {$50000.00} in student loans due to interest. This information should have been disclosed and signed off on prior to obtaining these hardship options.
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX, I received, from XXXX, XXXX, XXXX XXXX XXXX, XXXX, a photocopy of a NOTICE OF ASSIGNMENT OF JUDGMENT in my parents ' mailbox. Their document was dated XX/XX/XXXX. This document came via first-class mail and was enclosed in an envelope with another AFFIDAVIT OF ASSIGNMENT OF JUDGMENT, dated Tuesday, XX/XX/XXXX, for a Final Judgement in XX/XX/XXXX, when I was XXXX years of age. I tried to speak with a representative at this law firm over the phone about this matter but they demanded my Social Security number. I refused and they would n't proceed with the call. I know for a fact that this matter is either an intentional fraud or a hoax. They are demanding {$2400.00}. Again, I have no knowledge of this debt from XX/XX/XXXX, as I was only XXXX years old in XX/XX/XXXX.
Consumer complaint received 2017-10-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc. (IL)

I have requested a payoff balance from my lender. They have quoted me a price higher than the total loan, ( including finance fees ). I have asked for a quote for payoff three times and have received the same response. I have requested that my payment be placed on the principal for 6 months and this has not been done. I owe less than the total finance charges and would like to pay off my car minus the finance fees but I am being told that I ca n't do that.
Consumer complaint received 2018-01-09
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX {$520.00} In XXXX I had previously informed the bureau that this account was unknown and the account was opened in direct result of identity theft which occurred from the loss of my identification in XXXX. The reply I received from this credit bureau was that this account was verified which is contradicting the statement received from the creditor who has confirmed in writing that the account was found to be opened fraudulently and that they have contacted both Equifax ; XXXX and XXXX XXXX to remove the account but the account is still being reported and is causing extreme hardship. I had requested that the file be removed on numerous occasions and XXXX XXXX but this reporting bureau has failed to remove it and for this reason I quest the assistance of the CFPB.
Consumer complaint received 2024-03-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION (OH)

Regional Acceptance is not applying my payments correctly. They have not applied a payment towards my principal since XX/XX/XXXX causing more interest charges to build up. They claim it is because I have been late but even when I made my payments on time they did not apply any monies towards the principal. They have also recently misapplied my payments to credit the wrong month which lets them charge me even more in fees and they are not giving me monthly statements so they can hide more fees they are tacking on. I never received a statement for XX/XX/XXXX and XX/XX/XXXX. I made a payment on XX/XX/XXXX that was credited towards XX/XX/XXXX payment that only interest was paid which would have left me to owe XX/XX/XXXX and XX/XX/XXXX. I paid {$350.00} for the XX/XX/XXXX payment on XX/XX/XXXX and {$400.00} for the XX/XX/XXXX on XX/XX/XXXX. They are still saying I owe for XX/XX/XXXX and when I reach out to them and show them proof of payment they do nothing. Please see attached documents.
Consumer complaint received 2018-01-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Huntington Bank ( XXXX branch ) refused all efforts to withdraw funds as directed. I lost the purchase of property located in Texas. 

This bank ca n't account correctly. Essentially they stole thousands of dollars from me!
Consumer complaint received 2024-03-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (MI)

Hi my name is XXXX XXXX XXXX XXXX XXXX XXXX of my Venmo acct, with routing XXXX ; an account number : XXXX. My account was frozen for XXXX reason an no explanation given. I tried calling, emailing, ect .... Still no REASON as to why my funds are frozen. I been a member over a year with averified account, an then this happens.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

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. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 ) ( 1 ) 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.