davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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)

I was not given the opportunity to opt-out under 15 USC6509 of the third-party reporting and I have not provided written consent for this third party to report anything on my report and with the negative information, has caused harm to my well-being stopping me from providing for my family or providing a way of life for my family according to the privacy act of 1974 XXXX information should not have been sold or given to this agency and this is also a HIPPA violation providing my personal medical information. Transunion and XXXX have allowed this agency to report negative information on my report and medical bills are no longer to be reported. I do not consent to any written or verbal agreement in the past and in the future.
Consumer complaint received 2019-03-17
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)

So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a XXXX rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (NY)

Hi! My personal information ( including my name, date of birth, email address, and social security number ) were leaked in the XXXX XXXX data breach last XX/XX/XXXX. Since then, people have tried to open numerous fraudulent accounts using my information ( including fraudulent applications for credit cards with XXXX and XXXX ). 

Most recently, someone opened a fraudulent checking account with Chime using my name, email address, physical address, and social security number. The account was opened in XX/XX/XXXX. I believe it may actually be Chime itself that opened the account ( perhaps a la XXXX XXXX ). The account weirdly included my newest address ( which has NOT been leaked in any data breach, at least as far as I am aware and I have all my information monitored for sale on the dark web ). Chime also required no identity verification to open the account because all of my credit files are frozen/locked and my email never received a verification email. The whole thing is really fishy and I had a pretty difficult time getting Chime to delete the account. I am also not the only person to have this experience ; there are several long threads on XXXX ( linked below ) with many other people who have had similar experiences. 

https : XXXX https : XXXX
Consumer complaint received 2019-03-17
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. (PA)

Hi, The fraudulent, illegal, bogus loan-scam is STILL on my credit report!

Its been 6-years since the XXXX XXXX XXXX of XXXX loan-scam! 
They told me the loan would NOT be processed after I signed up for, then cancelled the ( 2 ) online " classes. '' There were NO " classes '' it was a total scam. There was NOTHING of value provided to me at all or in anyway, {$8800.00} for a hotlink to XXXX -- thats FRAUD. Take a look at the $ XXXX-Million construction-loan XXXX defaulted on -- the student-loan $ they scammed from me and other students went directly to pay the XXXX-new-building construction-loan, it was NOT used to educate me or other students. XXXX closed and had to move, and submitted false dox to reform at a new location. FRAUD!! Must be stopped! Remove this fraudulent loan its ruined my credit for the last 6 years and now I'm homeless!
Consumer complaint received 2020-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BB&T CORPORATION (SC)

Every time i send in a 2 or 3 payment in advance bbt credit card company take the payment both payment cash but only applied one to balance..this has happen to me 3 times.so on the third time i called the credit card company bbt and the noted on the account that 2 payment coming in.they cash  both check but only applied one to my balance.call bbt they ask me to get copy of both checks.they see that i paid 2 check but fail to correct problem.that why i called to let them know 2 payment was sent in.they even noted to account but still cash both and only applied one .so im reporting them to cfpb.
Consumer complaint received 2019-03-17
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. (FL)

THE ATTACHED INQUIRY FROM XXXX HAS BEEN SUBMITTED TO EXPERIAN, TWICE, BY XXXX AND MYSELF TO BE REMOVED. IT'S STILL ON MY REPORT. 
EXPERIAN DID NOTHING TO HELP ME REMOVE, SAID IT WAS MY PROBLEM. I PAY THEM {$24.00} A MONTH TO USE THEIR CREDIT SERVICES AND GET HELP WITH PROBLEMS LIKE THIS. THEY LET ANYONE POST ANYTHING TO CREDIT REPORTS BUT HAVING IT TAKEN OFF IS A MAJOR, TIME CONSUMING ISSUE EVEN WITH LETTERS LIKE THAT ATTACHED, PROVING IT SHOULD BE REMOVED!!!
Consumer complaint received 2019-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (CA)

We had torn down our house and built it ground up. The construction was completed XX/XX/XXXX. I had a loan with XXXX XXXX for {$960000.00}, private lender loan with a loan expiry date of XX/XX/XXXX. I started the refinance process with loanDepot in XX/XX/XXXX. They were aware of my loan expiry date. On XX/XX/XXXX, I was told that we are approved and they scheduled an appraisal for XX/XX/XXXX. I was told that we would sign the papers on XX/XX/XXXX. My house was appraised at $ XXXX. I was doing a jumbo loan of $ XXXX - cash out refinance - as I had to pay off people I borrowed money from to get my XXXX sq ft house completed. On XX/XX/XXXX, they told me that they can not do the loan because my husband did not have a consistent 2 year income. I received the shock of my life when I heard this. I had given them every paperwork they needed. My husband is a licensed XXXX  XXXX and since he was busy building our house in XX/XX/XXXX, he did not work, he therefore did not have income in XX/XX/XXXX. Since my loan was expiring and I could only extend the loan if I applied for an extension 2 weeks prior to my loan expiration. I was charged a huge amount of fee on this and I am requesting that all fees be reimbursed to me by loanDepot immediately. I forwarded XXXX XXXX e-mail on fees to loanDepot requesting payment, but I never heard back from them on this. I would really appreciate if you could help get all fees paid to me for the 3 month extension I have them do, plus compensate me for everything they put me through, just to tell me in the end that they could not do the loan. XXXX XXXX 's fee is as follows : 3 month : Extension Fee 1 % of UPB ( unpaid principal balance ) Legal - {$500.00} BPO - {$95.00} Admin - {$25.00} I would be happy to provide any documentation you need on this. I hope due consideration is given to my request. 

Yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-16
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. (NY)

TransUnion is furnishing inaccurate accounts in an attempt to coerce me to pay on them. The accounts have not been validated by the consumer and no attempts were made by transunion to verify the information as they are obligated to by the FDCPA. Multiple attempts were made to resolve this issue, the most recent being XX/XX/2021.
Consumer complaint received 2021-09-16
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. (MS)

On XX/XX/2021, I mailed a letter about inaccurate accounts on my credit report and requested an investigation. It has been 4 months and I still haven't received any results in the mail and these unverified account still show on my credit report.
Consumer complaint received 2019-03-17
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: EQUIFAX, INC. (CA)

After notifying each credit bureau regarding the closed status of my XXXX XXXX XXXX account and request by that department to remove an account of balance is obviously XXXX stated by XXXX XXXX them selves. Both Equifax and XXXX along with XXXX XXXX continued to display incorrect credit information on a closed account which I am the custodial parent and the difference in the reporting by Equifax and XXXX XXXX clearly shows the discrepancy itself. The credit bureaus simply wont take the time To verify it for themselves and only rely on a third-party service that does the reporting.
Consumer complaint received 2022-07-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Automated Collection Services, Inc. (TX)

I have no idea who this company is, they keep calling & harassing me without leaving a voicemail & they havent sent anything to the house. I do not have to answer my phone if I choose not to especially if they havent sent anything to my address nor left a voicemail. This is a violation of the FDCPA. Here are the following ways that they have done so Disclosure verification of debt The agency fails to send a written debt validation notice including the amount of the debt, name of the creditor, and a notice of the consumers right to dispute the debt within 30 days. 

Excessive phone calls The collection agency makes several calls a day, and sometimes several calls in a row.
Consumer complaint received 2019-03-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

After notifying each credit bureau regarding the closed status of my California child support account and request by that department to remove an account of balance is obviously XXXX stated by Trans Union them selves. Both XXXX and XXXX along with Trans Union continued to display incorrect credit information on a closed account which I am the custodial parent and the difference in the reporting by XXXX and Trans Union clearly shows the discrepancy itself. The credit bureaus simply wont take the time To verify it for themselves and only rely on a third-party service that does the reporting.
Consumer complaint received 2022-01-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Resolution Corporation (MO)

Hi. I paid for my credit report initially on XXXX/XXXX/2020 and found that two collection agencies were reporting inaccurate information to the three credit bureaus. It is to my understanding per the FCRA that I am able to dispute these inaccuracies with the 3 credit reporting agencies and that they will investigate. To date I have reached out multiple times and I have not received and VERIFICATION or PROOF that I in fact owe for one collection agency in the name of ACCOUNT RESOLUTION COR with the account number XXXX. They are reflecting a balance of {$180.00} on XXXX and a balance of {$260.00} on XXXX and a balance of {$180.00} on XXXX. This is in direct violation of the laws put in the place to protect me. Please assist me with this matter and have this account removed from my reports. Thank you
Consumer complaint received 2021-09-16
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: AMERICAN EXPRESS COMPANY (ID)

company called Serve sent an AMEX card with bank account and routing number. I did not request this. This kind of marketing or solicitation presents a risk to consumers. It's deceptive and misleading.I still do not know why I received this. No live human is available to answer. i want the account closed.

I would attach a copy, but it has account info on it.
Consumer complaint received 2021-09-16
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. (IL)

For several months now, I've sent multiple letters to Transunion to dispute a fraudulent, unauthorized inquiry that was made on XX/XX/21, by XXXX bank. I've called Transunion several times after I mailed my letters in, but the fraudulent inquiry remains on my credit report. I want this inquiry to be removed immediately, please!
Consumer complaint received 2020-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (FL)

Studentaid.gov login issue is discriminatory. 

The Studentaid.gov login process creates an unfair burden on borrowers with a Puerto Rican area code. The Studentaid.gov website requires that you verify your cell phone number prior to accessing any account information. This process includes Studentaid.gov sending your cell phone a text message with a unique code to enter into the website. 

Due to the fact that my cell phone number has a Puerto Rico Area Code ( XX/XX/XXXX), Studentaid.gov is unable to text me this code needed to login. This makes logging into the system very difficult because cell phone verification is required to proceed to account status - I had to delete my cell phone number in order to proceed. 

Despite the workaround of having to delete my cell phone number ( I was ultimately able to login ), my  ability to full utilize the website is hindered by not having a cell phone number as an available account recovery method. 
Given that the majority of people who live in Puerto Rico and/or have Puerto Rican area codes are Spanish speaking or belong to a minority group, this practice/policy is discriminatory, and creates a hurdle for people living in Puerto Rico to access their account information that people living in one of the US states do not have.
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC (IN)

I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with Jefferson Capital Systems LLC over a debt Ive deny obligations of. Jefferson Capital Systems LLC purchased my information from XXXX XXXX XXXX since then Jefferson Capital Systems LLC took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years Jefferson Capital Systems has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from Jefferson Capital Systems Stop immediately. Jefferson Capital Systems LLC have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Santander Consumer USA Holdings Inc. (IN)

I federally protected consumer XXXX XXXX rights have been violated. For almost two years Ive been battling with XXXX XXXX XXXX XXXX over a debt Ive deny obligations of. XXXX XXXX XXXX XXXX purchased my information from Santander Consumer USA since then XXXX XXXX XXXX XXXX took it amongst themselves to attempt to take me to court which their motion was deny by the judge. For almost two years XXXX XXXX XXXX has caused me emotional distress where I have loss sleep, frequent headaches, anxiety, weight all due to this improper debt. I believe its time this back and fourth and constantly violating my consumer rights from XXXX XXXX XXXX Stop immediately. XXXX XXXX XXXX XXXX have completely ignored both affidavits neither have they rebutted either one as well as my cease and desist letters
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Velocity Portfolio Group (TX)

I obtained my credit reports and found this debt on my report. I mailed a certified letter to XXXX XXXX XXXX on XX/XX/2021 and it was received by their office on XX/XX/2021. The USPS tracking number is XXXX XXXX XXXX XXXX XXXX and the company has had ample time to respond to my request ; however, to date, I have not received any validation of this debt or any response whatsoever from the debt collector.
Consumer complaint received 2022-01-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (CA)

on thursday XX/XX/22 i received a phone call from XXXX of sofi bank. he told me that because my check had bounced and that i had previously tried to deposit other checks that was " suspicious '' and they were going to close my account. i was ok with that as i never used my sofi account to begin with. However i have {$500.00} frozen in there that i can not use. and he told me over the phone on thursday that on friday ( XX/XX/22 ) he would transfer the funds over to my XXXX account on file. He has not done that yet, my account is still frozen, and he has not returned my calls despite me leaving voicemails.
Consumer complaint received 2023-03-27
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC. (MO)

I submitted a complaint on XX/XX/XXXXXXXX  and your company got this information on complaint XXXX ( Included here ). 

ON XXXX you responded with " Company responded '' and " Closed with explanation '' Santander sent a letter, ( included here as well ), stating that they have NO ACCOUNT with my name on it! And they want VIN number, billing statement, contract etc. to verify IF THEY EVEN have an account under my name. 

I have given them my social, name and address as I have no VIN, NO contract etc because this is not my account! 
Would you please have them DELETE THIS ACCOUNT from all credit bureaus including XXXX, XXXX and XXXX PLEASE! 

How can you report this on my credit when you do not know who I am!
Consumer complaint received 2022-05-01
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 XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX 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.
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions ( XXXX XXXX  : Act # XXXX ) XXXX : Opened, N/A : Reported, Unknown : Condition Balance : {$310.00} ( XXXX XXXX. # XXXX ) XX/XX/2017 : Opened, XXXX : Reported, Closed : Condition Balance : {$13000.00} ( XXXX XXXX XXXX. # XXXX ) - XXXX : Opened, XXXX : Reported, Unknown : Condition Balance : {$880.00} XXXX XXXX, Contact : Not Available ( XXXX  XXXX, Contact : Not Available ) ( XXXXXXXX XXXX XXXX  Act. # XXXX ) XXXX : Opened, {$13000.00} : High Balance, {$14000.00} : Balance, Installment : Account Type, Open : Condition, XXXX : Reported, {$390.00} : Payment
Consumer complaint received 2024-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service (DE)

I am writing in response to your recent response regarding the accounts allegedly held by me with XXXX XXXX XXXX and Clark County Collection Service, LLC. I appreciate your efforts in reviewing this matter ; however, I must emphasize that I have never opened a loan with XXXX XXXX XXXX or conducted any business with Clark County Collection Service, LLC. The loan documents and account activity history you have provided do not reflect any transactions or agreements made by me. Furthermore, the assertion that payments were made on these accounts is inaccurate, as I have never authorized or made any payments towards loans that I did not open. The suggestion that fraudulent accounts would typically receive payments is concerning and does not align with the reality of my situation. I am willing to provide a copy of my identification for verification purposes. However, I must reiterate that the accounts in question are not mine, and any identification on file would not match my own. I request that you conduct a thorough investigation into these accounts and take appropriate action to rectify this matter. Specifically, I ask that you remove these erroneous accounts from the credit bureaus and cease any further reporting of disputed information. Thank you for your attention to this matter. I trust that you will handle this dispute with the seriousness and urgency it deserves. Also I have sent the requested identification to XXXX and this account is still not removed.