davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: 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. (NY)

The account listed as conserve for roughly 2 thousand dollars has been negatively impacting me without proper validation and or proof, regardless of the fact it is being reported incorrectly. I have stated the laws that are being violated in my initial contact with the credit bureaus and how theyre allowing this to be reported on my credit without my exclusive consent or proof of any correspondence with me and said lender. I attached a copy of my credit report with my letters to the bureaus indicating all inaccuracies. The letter included all my rights that were violated as well as where the bureaus had missteps in my reporting. With the response of the account being updated and validated without proof, the only step is to remove it from my report seeing as though this is false information
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TD BANK US HOLDING COMPANY (CA)

When I applied to credit cards I didn't know it was going to be a hard pull, also when I applied to a auto loan I didn't consent with them running my credit more than once they pulled the credit and more than one reports popped up.
Consumer complaint received 2019-06-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KS)

onemain financial scammed me when I refinanced a loan with them. My previous loan had unemployment insurance I agreed to so when I refinanced the new loan the loan officer stated you still got the insurance and said we will sign all documents online so we can whisk through them and get you outta here. The whole purpose of refinancing was to try to get extra money and lower payments. Loan officer stated that I could only get {$100.00} but the new payment was lower. After all was done I left the business and was told all documents will be emailed to me. I looked at the documents the next day and realized there was 4 different insurance  policies attached to the loan that totaled around {$900.00}. This was never explained to me and knowing that I could have received the money in my pocket instead of being added to my loan. I feel this is an unfair practice and should be reported and let consumers beware.
Consumer complaint received 2021-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposit a personal check on the XX/XX/21 and the bank of america put it hold on it for 2 weeks.i need that money to pay my rent I haven't been working that much and that was my rent and loans money I haven't had unemployment because it got canceled right after I got laid of. My reason for my complain is that they are taking too long to proses a personal check that deposited thinking that I was gon na get it sooner than regular.
Consumer complaint received 2016-09-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are numerous credit inquiries that are showing up on my credit report that were previously off of my credit. The representative told me that she did n't believe I was apart of the clitch that happened with their systems. I tried to explain to the representative that these inquiries were off and have been placed on my credit report and in some cases I am seeing the same creditor on their twice. These inquiries are really hurting my credit score and I am in desperate need of a resolution.
Consumer complaint received 2016-06-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (MS)

* XXXX to excessive transferring of my student loan accounts from one servicer to another, I have had difficulty keeping track of who I owe and when to pay them due to inconsistent billing. 
* Billing statements were not sent during the period of the delinquency notations despite calling the various servicers to find out to whom, how much and when to pay them. 
* The following delinquency reported on my credit reports is inaccurate and the result of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by the servicer, which is under the purview of the CFPB : 1. 90-day and 60-day past due delinquency notation in XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on ACS/XXXX, XXXX, CA account. 
2. 120-day, 90-day and 60-day past due delinquency notation in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX without a 30-day past due notation in XXXX XXXX on same account. 
3. Reported delinquency noted in items XXXX and XXXX also appear on XXXX other ACS/XXXX accounts.
Consumer complaint received 2018-02-26
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc. (WI)

Over the last few years I have neen disputing the 24 musical bills from the State Collection Service and they are all  duplicate debts with late fees/interest tacked on. They keep adding 1,2, {$3.00} dollars and reporting them as a new debt to the credit bureau. I have seen over {$100.00} in just 4 weeks being added on and reported. They are causing me emotional and financial harm at this point. I never signed a contacted with this company. The attorney I spoke with said they are not allowed to charge late fees or interest to medical bills. I have not even recieved a notice in regards to the debt or the debt increase, I get notified by XXXX XXXX every time it increases.
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scheer, Green & Burke L.P.A. (CA)

Paid bill from flexible spending account last year approx XXXX. Received notice from Scheer, Green & Burke, co L.P.A on XX/XX/XXXX That it is now in collections. My flexible spending company " XXXX XXXX '' deleted my account when my files were being transferred to a new insurance. XXXX XXXX is investigating and the new company " XXXX XXXX '' is investigating as well. I've called the law office 3 different times and left messages. No call back. I talked to the receptionist on the 4th attempt.  They had me hold for my case representative but said they were busy. They asked if I was ready to pay. I told them the bill was paid. He laughed at me and then said there wasn't a case representative and did not allow me to speak with anyone else. I told them I was attempting to get proof of payment. As the letter they sent states, they haven't confirmed this amount is actually owed. The receptionist became very aggressive and I let him speak. I asked that he not hang up on me because he was getting upset. He said " XXXX, no one said anything about hanging up on you ok. " They would not let me speak and would only let me setup a payment plan. I asked how long I had to gather documentation of payment and asked what would happen next. The male receptionist said " Well 'honey ' you're gon na have to pay it. '' I asked to hold for my account representative and then he hung up on me. There's been no answer or return calls since then. 
When calling the actual company who says I owe ( XXXX XXXX XXXX XXXX XXXX ) it goes to a pathology department at a hospital and no one knows who this person is. The date of service for this bill is XX/XX/XXXX.  I had no medical procedures done on our around this day.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

I am not liable for this debt with XXXX XXXX and do not have a contract with XXXX. They do not provide me with the orginial application like I asked. I Also asked for a sign document with the collecting parties and myself. If parties can produce a signed document proving i contracted them collect this debt then i will be in contract to pay debt by dollar. Upon further investigation i would like to have all documents reviewed to assure that there is no fradulent reports made on my behalf in the near future. A lwayer friend of mines told me i have the right to request who authorized this collector to submit this claim to my credit report without my permission. I will be charging a {$1000.00} fine for each infraction on my credit report if this was unauthorized according to the law stated by the 15 U.S.C. Sec. 1681i ( a ) .I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : XXXX Account Number : XXXX
Consumer complaint received 2024-02-18
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)

Again this will be my 5th time asking for the following items to be removed from my report they were due because of fraud I never had access with these company all other report removed the items so how is it that transunion saying they verify how can that be please remove and block. 

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  The following inquiry I never authorized to be pulled. Again a problem. With fraud please removed them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All this will make my 5th time asking for help I also will call in to put a freeze on my file so I would have to call in and have it
Consumer complaint received 2022-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/2022 at XXXX XXXX  I received a call from my bank informing me of a unarthorized transaction with my account. At the time my mind-set was " ok lets deal with this right now '' so I was talked into giving up my PIN. An hour later an amount of {$650.00} was withdrawn from my account. I called my bank to cancel my debit card. The next day, XX/XX/2022 at XXXX XXXX another unarthorized withdrawal of {$620.00} occured. So I went to my bank in-person to sort out the problem. Appearantly the bank representative I spoke to about cancelling my debit card failed to cancel my old card allowing another unarthorized withdrawal. Now my {$650.00} claim dispute has been denied and I am unsure about my {$620.00} dispute.
Consumer complaint received 2018-06-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Rosebud Economic Development Corporation (NC)

I received a notification on XX/XX/XXXX of funds deposited into a bank account that I had that was charged off in XX/XX/XXXX. This was suspicious obviously and when tracking the funds it appears they came from a company online I had never even heard of. I did apply for this loan, I did not authorize the loan and furthermore it is proven by the fact the lender did not have my correct address, bank account, etc. For example, why would I get a personal loan online and then have it deposited into a bank account that was charged off 4 years ago when I have a perfectly good current bank account I could use. Total scam and I don't want this fraudulent loan to have an impact on my credit or bank activity. I have filed a complaint against the bank as well as I did an ACH dispute of funds form and the funds haven't been distributed back to where they came from. No one should be able to take a loan out with the ease this was done as it is totally fraudulent.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2018-06-27
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IL)

My issue is with XXXX. I set up an account and I want to cancel it and get my money refunded. XXXX said there were issues with my bank account when there were not. I tried entering new banking information and it would not take. Since then I changed my phone number and have been unable to log into my account because of their verification process. Every time I have called XXXX to complain they said they were aware of it and wait for my turn. I will know when its my turn when I get an email from XXXX telling me its my turn. Never got this email and it has been months. Every time I call I am told this same thing. It was only {$32.00} but now its the principle.
Consumer complaint received 2019-06-01
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. (FL)

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX SEC # XXXX DOB XX/XX/XXXX
Consumer complaint received 2020-05-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

Navient emailed me in XXXX asking if I needed a forebearance. I replied yes. They are now calling me, my wife, my parents asking for money. 

I replied to an email from Navient in XXXX asking them to send me any information I needed to make my account current. They never responded. 

They have destroyed my credit report, and is unwilling to fix it. They keep calling my relatives for information.
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX  on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX XXXX from my credit report is greatly appreciated. 
Thank you
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

I reached out the the company letting them know about the fraudulent account and about my identity theft he then asked questions due to validation of what he had did not match any of my information I am unaware and not reliable for the account in reference to an account none to XXXX
Consumer complaint received 2022-07-05
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (VA)

I have POA for my aunt, XXXX XXXX. She received mail from AAG mortgage regarding a reverse mortgage so I called them earlier this year to let them know I do have Power of Attorney and to request they stop sending mailings. The person I spoke with said the POA was noted and the request for reverse mortgage was old. I was also told no future mailings would be sent to her address. This has not happened and XXXX is receiving mailings almost daily at XXXX XXXX XXXX XXXX XXXX, VA XXXX. We are not interested in any service AAG provides and want no future contact with this company.
Consumer complaint received 2018-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (CA)

Southwest Credit of XXXX XXXX XXXX, Suite XXXX in XXXX TX XXXXcontacted me by phone on XX/XX/2018 claiming they were trying to collect a debt owed by me. 

I was unaware of said debt and dispute the validity of this supposed debt. They threatened to damage my credit history and take legal action against me if I did not pay. When I continued to assert that the debt was invalid they called me a " XXXX son of a XXXX '' and demanded that I provide a credit card number to pay immediately. At this point I disconnected the call.
Consumer complaint received 2018-06-26
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: Receivables Performance Management, LLC (MI)

Theres inaccuracies in my XXXX report showing a collection for {$100.00} from XXXX XXXX opened on XX/XX/XXXX. Another inaccuracy is on my XXXX report from XXXX   XXXX for {$500.00} opened on XX/XX/XXXX. I pay all my bills. These are not my collections/accounts.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 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 2019-06-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (IL)

AFFIDAVIT OF THEFT & ROBBERY BY CONSPIRACY I, XXXX XXXX XXXX purchased a bus ticket from XXXX XXXX XXXX XXXX, location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas, for {$180.00} on XX/XX/2019 with my XXXX   XXXX  Debit Card. After purchasing the ticket I became ill and could not travel. I contacted XXXX to request a refund and or a credit, and they refused both. Two days later I contacted my bank of my debit card : Comerica Bank XXXX XXXX XXXX, XXXX XXXX XXXX MC XXXX XXXX TX XXXX ( XXXX ) XXXX, I filed a dispute with the bank on XX/XX/2019 by mail and received a letter response from the bank on XX/XX/2019 informing me that they could not find an error and would not reverse the charges. I do not agree with having to pay for a product or service and not receiving the product or service. Please help me identify what authority these two entities have to not return my rights and property. 

XXXX XXXX XXXX