davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

1 ) 53 CLOSED MY ACCOUNT 3 WEEKS AGO WITH {$19.00} AND NEVER MAILED CHECK. 2 ) {$100.00} IS DUE ME. 3 ) {$10.00} OVERDRAFT FER IS DUE ME SINCE I DONT HAVE OVERDRAFT PROTECTION.
Consumer complaint received 2024-02-22
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. (GA)

It looks like someone applied for multiple things around the same dates and they do not belong to me. I am a victim of identity theft. These are fraudulent inquries and I am asking them to be removed ASAP. What is the next step? This is effecting my mental health and I am sooo upset with the way the credit bureaus are handling this matter. They told me I have to have written documentation. I even filed an Identity Theft Report and they are not complying with the provided documentation. 
TRANSUNION FRAUDULENT INQUIRIES XXXX XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX XXXX XX/XX/24 XXXX FRAUDULENT INQUIRIES XXXX XXXX  XX/XX/24 XXXX XXXX  XX/XX/24 XXXX XXXX  XX/XX/24
Consumer complaint received 2022-02-01
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. (GA)

I have reached out to the major credit bureaus about inaccurate information being reported on my credit file. I requested my recent credit file report I have noticed several inaccuracies on my file other names, addresses including a bankruptcy public report. I have no knowledge I attached a letter from XXXX XXXX whom the credit bureaus stated the information was retrieved from. XXXX XXXX have deleted the information out their system from their file. I would like this information to be deleted from the XXXX major credit bureaus I have sent all documents from my local city bankruptcy court and XXXX  XXXX. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq states accurate information must be reported Please delete this bankruptcy from my report
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I Contacted the courts and they advised me that they don't report to the credit agencies. So how are the agencies reporting my child support balances. This is considered false reporting or misleading.
Consumer complaint received 2021-02-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Santander Consumer USA Holdings Inc. (TX)

I owed this debt a long time ago -- My name is XXXX XXXX I started this XXXX must of paid a few months the car broke down after I passed it on to someone else to take over payments the car broke down on him the car broke down completely was not able to be fixed so the car was re-possessed and it was sold at auction -- for whatever it was worth -- I am not able to pay for a car I don't have and I'm not going to be able to drive this was since right after XXXX must have been XXXX so this Santander is selling this debt to other companies to try to collect that have called me before- and everytime they try to collect they show up on my credit report now it shows up as a brand new bill as of XXXX it is not a new bill so everytime a new bill collector gets it I get so many points off on my credit score but it is the same bill-I don't think that is correct that the same collector every year or maybe half a year shall be taking points off my credit score just because one doesn't collect so they pass it on to someone else -- do you -- so more points comes off my report??
Consumer complaint received 2023-01-28
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. (WI)

In accordance with the Fair Credit Reporting act XXXX 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

XXXX is reported inaccurate address on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX APARTMENT COMPLEX I have never lived there
Consumer complaint received 2017-08-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (NV)

We had financed a vehicle (   XXXX   XXXX   XXXX  , VIN :   XXXX   ) through ally Financial, and then refinanced through   XXXX   XXXX   XXXX   XXXX  . After the refinance had commenced the loan balance to Ally Financial had been satisfied. However Ally took one final loan payment for {$370.00} after the loan balance had been satisfied. Upon contacting Ally financial, they had acknowledged that the final payment was, in fact, received by them. However they stated that they were unable to assist in the returning of the final payment ( {$370.00} ) and advised to contact the financial institution from which the funds were drawn. The financial institution (   XXXX   XXXX   XXXX   XXXX   ) was unable to reverse the payment as it was authorized at the time it was removed.
At this Juncture Ally Financial still is in possession of the remaining payment {$370.00} and is unwilling and unable to process any sort of refund, by any means. I am requesting that the CFPB contact Ally Financial and that the overpayment be remitted by check.
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Global Lending Services LLC (TX)

In accordance with fair credit reporting everything needs to be 100 percent accurate. 

In all three there was inaccurate information with the following accounts : Global Lending Services.

Nevertheless, I also asked to validate my account directly with Global Lending Services and requested information to understand more the account being reported in the three credit bureaus.

In conclusion, Global lending services has taken more than 30 days to respond to my letter. Here is my certification tracker # : XXXX
Consumer complaint received 2022-04-05
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: Bread Financial Holdings, Inc. (NJ)

I pulled my credit reports in XXXX of 2022 to see what is on my credit due to my credit score being so low. Upon receipt I noticed multiple fraud accounts with opened and closed statuses. I reached out to all the creditors with no relief, so now I am submitting a formal complaint.
Consumer complaint received 2021-03-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (VA)

I refinanced my home last year, utilizing the same company XXXX US Bank XXXX that originally held my mortgage. It came to my attention on XX/XX/XXXX that they did not pay my property taxes for the XXXX half of XXXX. I called US Bank immediately to inquire about this. I was told that it was their fault & that they would promptly pay my taxes. I was assured that they had my money in escrow & that there was nothing else that I needed to do & that the taxes would be paid by XX/XX/XXXX. I called on XX/XX/XXXX to be sure my taxes were paid & was told that an investigation had to be done & that they would not be paid for several more weeks, but that US Bank was still planning on paying & they would pay the penalties that had been acquired. As of XX/XX/XXXX, my taxes are still not paid. I am furious! I have ALWAYS payed all of my bills & taxes on time & work hard to keep my credit score in excellent standing. I am afraid of being sent to collections now & ruining my credit score. Not to mention, I feel ashamed that I look like a delinquent who doesn't pay taxes. I have made countless calls to US Bank to inquire about the status & seem to get nowhere! I'm told a check was mailed out via USPS in mid XXXX, but so far, it does not appear to have made it to the City of XXXX Tax Department. This is unacceptable!!!!!!!!!!
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: ORG GC GP BUYER, LLC (NM)

Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.
Consumer complaint received 2022-11-18
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. 
Please see this complaint is processed to the letter of the law. I have got to the fact that I dont assume too much from you now because you sustained to report this fraudulent information in my file although I have shown over the documents required to defend my distress about being an identity theft victim. 
Im attaching the required FTC Report, Identity Theft Victim Assistance Affidavit and my Police Report that I filed on my local Police Department for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by the rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... I talked to the companies and they told me they approved of deleting the accounts from my file. Common! Be responsible and abide by the FCRA Law! XXXX XXXX XXXX Date Opened : XXXX  Balance : {$71000.00}, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Consumer complaint received 2024-03-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (MD)

Greetings, I need help with information I detected from LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX This notice is a Validation of a Debt Request ; Pursuant to 15 USC 1692gb. Cease and Desist Pursuant 15 USC 1692 ( C ) ( c ) LVNV FUNDING LLC XXXX XXXX XXXX, XXXX, SC XXXX Please be advised that I hereby dispute the validity of the alleged debts listed below in their entirety. 
LVNV FUNDING LLC alleged debt for {$1100.00} and LVNV FUNDING LLC alleged debt for {$1200.00} LVNV FUNDING LLC, I am unaware of the alleged debts, I didnt have an opportunity to dispute the information / alleged debts. I did not receive proper notification ; if in fact you believe you furnished me with appropriate notification then please send me a copy of the certified receipts with my signature on it and furnish a copy of a contract or agreement.
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Stewart Information Services (CA)

We purchased the timeshare in XX/XX/XXXX. Our children were young, and we used the exchange to  vacation with them. After the children grew up, my husband and I continued to use the timeshare. When the maintenance fees began, we paid as expected. We are seniors now ; both of us were laid off and we have only Social Security as income. The invoice for maintenance fees was sent in XX/XX/XXXX and, in good faith, we paid them because we could. However, we noted that we could not continue to pay them because our income was insufficient. We had met with a bankruptcy attorney, and decided that it was our only relief. Our bankruptcy was filed, and all creditors, including our timeshare, were notified and given the hearing date for creditors. The timeshare creditors did not respond. All debts were XXXX on XX/XX/XXXX. Later that year, we received the XX/XX/XXXX invoice from the timeshare. I sent a letter explaining that we had to file bankruptcy, and were no longer owners. They did not respond. When it was clear that we were not going to pay any more, we began receiving threatening letters even though we no longer held any claim to the unit. The timeshare inventory agent told me that they had been made exempt in the bankruptcy law. I reviewed that law, and found that it spoke of " ... intentional wrongdoing '' by consumers, and " ... society 's interest in excepting those debts from discharge outweighs the debtor 's need for a fresh economic start. '' We take exception to that because we knew nothing of the law, and the timeshare did not respond when notified by the bankruptcy attorney. The fact that we surrendered the timeshare unit, and had it included in the bankruptcy, without dispute from the timeshare agents, should relieve us of any further attempts from them to collect from us. This is not a " postpetition assessment '' issue. If we had been advised that by paying the XX/XX/XXXXmaintenance fee it would exempt the timeshare from bankruptcy, we would not have paid it - again, we were acting in good faith. In turn, they have not.
Consumer complaint received 2018-03-30
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This past month I received a XXXX monitoring alert that KOHL 's had put a 'hard inquiry ' on XXXX even though I processed a 7 year Fraud Alert, a security freeze and pleas with them that this was FRAUDULENT and the hard inquiry needed to be removed. 

They told me they don't remove them, I would have to call the credit reporting agency, but they would CLOSE my account. CLOSE an account I never opened. 

I tweeted that I was going to report them to the CFPB because the inquiries from fraudulent online applications caused my XXXX of XXXX to drop to XXXX even though NONE of the hard inquiries are legitimate. 

I am tired of these credit card companies not taking responsibility to remove a hard inquiry I never initiated. All KOHL '' S is interested in is finding customers who want to get credit at 29 % interest and not doing what is right. They don't apologize for their arrogance and damage they cause by refusing to remove it. NOW they say it will take 120 days to do it, " if '' they do it at all. Outrageous!!!!!!!!!!!!!
Consumer complaint received 2017-04-21
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Army and Air Force Exchange Service (MD)

This debt is beyond the Maryland Statute of Limitations. It is illegal for a debt collector to collect on an expired debt. They have taken illegal action by seizing my Maryland State Refund when the debt had already expired and beyond the Statute of Limitation which is 3 years in the state of Maryland
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC. (WA)

Prior Complaint of Company with your outlet, of whom took credit reporting off for 30 days then sent account to collections as new account. 

Further to damage my credit. In incorrect amount.
Consumer complaint received 2020-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NM)

Disputes, sent written letters about identity theft, no resolutions reached j was never contacted back by the credit companies and they never fixed the incorrect items that are listed on my credit report such address business debts that are not mine. 
My credit has been affected.
Consumer complaint received 2018-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Synter Resource Group, LLC. (IL)

Back in XX/XX/2017, I called XXXX XXXX to pick up a shipment for a small package to XXXX. I told them the size and weight of the package. They quoted me {$54.00} and I agreed to have them pick it up that day, XX/XX/2017. The following month I received a bill for {$94.00}. After numerous discussions, it seems XXXX made some errors regarding that package and are trying to make me pay for them. I have inquired why they had the weight at 2lbs when items were less than an ounce and XXXX did not reply. I agreed to pay the original quote of {$54.00} and paid via credit card on XX/XX/2017. Now they have sent a collections agency for the remaining amount which I do not owe. I have attached a snapshot of the email where XXXX realized their mistake in shipping charge. I also included a snapshot of the payment I made of {$54.00} back in XXXX. Thank you.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

The 3 major credit bureaus are reporting a Chapter XXXX bankruptcy that should be removed because of the new law that came out XXXX XXXX, 2017. Some of the information is incorrect and/or not listed.
Consumer complaint received 2020-06-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Specialized Loan Servicing Holdings LLC (CA)

By way of background- In XXXX, I took out an Equity Line of Credit loan with XXXX  XXXX XXXX XXXX In XX/XX/XXXX, XXXX  XXXX XXXX sold the loan to " Specialized Loan Servicing LLP ''. 

My last payment to XXXX  XXXX XXXX was made on XX/XX/XXXX, just prior to the Specialized Loan Servicing owning the loan. 

Since then, Specialized Loan Servicing has been engaging in what appears to be fraudulent activity with my account. Their first contact with me was in XX/XX/XXXX, in which they ( falsely XXXX informed me that my payments were not current for XX/XX/XXXX and XX/XX/XXXX ( despite evidence to the contrary ). 

As proof, and with the help of XXXX  XXXX XXXX, I sent them bank statements showing that all payments were current and paid in full from XXXX throughout XX/XX/XXXX. The statements showed that all payments were automatically made through my account and paid in full. XXXX  XXXX XXXX assisted me in forwarding the statements to Specialized Loan Servicing, so that they had accurate payment information regarding the loan. 

Despite the evidence, Specialized Loan Servicing contacted me XXXX again XXXX stating that they did not receive the payments. Another phone call from Specialized Loan Servicing changed the month of the alleged non-payment to " XX/XX/XXXX '' and " XX/XX/XXXX ''. 

I again, sent all the proof of payments, showing that payments were made on time, and in full for any and all months they inquired about. Despite the many back and forth phone calls, and all the statements they had, which showed payments were made, Specialized Loan Servicing maintained their stance that they did not see the payments. 

They continue to make this allegation. Currently, Specialized Loan Servicing is now doubling the interest and adding to the principal ( {$2100.00} as a deferred amount ). This is unlawful. Specialized Loan Servicing has refused to comb through the evidence presented that showed payments have always been current and paid in full, and is now committing fraud by adding to my principal. This needs to stop immediately. 

Additionally, Specialized Loan Servicing continues to call me at odd hours- early morning and late at night. Specialized Loan Servicing called me saying they did not receive payment for XXXX - however, I sent them proof of payment. They called again, saying they made a mistake, and it was actually XXXX they wanted the proof for. I sent them that proof as well. 

Basically- they call about a different month each time they call, and I always provide proof, showing them the statement that the payment was made in full and on time. It continues to go on like this. It's devastating. 

I always make my payments earlier in the beginning of the month- and all the proof is there- in the account. Currently, they are calling, and when I pick up, they quickly hang up the phone as if they are participating in a prank.
Consumer complaint received 2018-03-30
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. (TX)

This company began trying to collect on this debt in XXXX 2015. Fortunately, this company is not licensed or bonded in the state of Texas to collect a debt. By law, they are to remove this debt from our credit report.