davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been disputing inaccurate names, addresses, phone numbers, employment, inquiries as well as public records since XXXX of 2017. I have never received an updated report from XXXX  or Transunion concerning these matters as of XXXX. 
All 3 has told me to contact the companies of the inquires and have them to delete, I did that at least XXXX with all and was told that it 's up to the bureau to remove. I 'm not saying all are not mine but MOST of them are not and I have sent in a list to all 3 bureaus multiple times over the past several months. I have requested from all 3 bureaus to provide me proof as I am entitle to have, that was provided to them from there investigation for my public record, I have not received any documentations from either bureau as of XXXX. I also have a identity theft police report on file with all 3 bureaus. 

Hear is a list of the inquiries that are not authorized : XXXX : comenitycapital/mprcc- XXXX, XX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX XXXX XXXX- XXXX comenitybank/venus -XX/XX/XXXX XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXXXXXX- XXXX XXXX - XXXX sterling - XXXX comenitybank/womnwi - 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 TransUnion : 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  INACCURATE PERSONAL INFORAMTION : NAME- XXXX XXXX EMPLOYEMENT- XXXX XXXX XXXX TRANSUNION : NAME : XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ADDRESS : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX , XXXX   XXXX
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX  Balance : {$270.00}
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CarFinance Capital LLC, Irvine, CA Branch (CT)

On XXXX/XXXX/XXXX XXXX XXXX XXXX recived a notice from carfinance capital/XXXX XXXX XXXX, stating that they have my vehicle and that i have broken my promise in our agreement.after reading the notice i then called Carfinance the person i spoke with says their name was XXXX, after explaining the reasons for my call she stated that she does not know the reason for or why my truck was repossed because it is, showing that my payment was up to date and there is no missed payment.because that the has just received payment from me on XX/XX/XXXX and i would have to speak with some one in a other dept.about my situation.i was then transfer to someone else.this prson can not recall name said because my truck was in the shop and was not pick up on time they went and repossed my truck and if i want the truck back i have to come up with {$4800.00}, i bought this vehicle used for the sum {$10000.00}, making payments on time i received this notice on XX/XX/XXXX that the vehicle will be sold at a private sale on XX/XX/XXXX on XX/XX/XXXX i check my credit report and i had a repossession showing i was never inform what the vehicle was sold for never received anymore information other than this letter dated from XXXX i checked my credit score again onXX/XX/XXXX now its saying i am 90 days behind on my truck payments with no contact stating about the sale of my truck.
Consumer complaint received 2020-05-06
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$7700.00}
Consumer complaint received 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (GA)

I applied for an automobile loan through XXXX. They went to Ally to get the loan. I was turned down for a loan due to a very low score from one of the agencies, XXXX XXXX.  Their score was 100 points lower then each of the other agencies. Trying to get anything from them requires photos and copied forms of ID. Having never heard of these people prior to this, and them not listed on anything else, I have other loans, all which are paid off except my home loan, I am not about to send them anything until I have no real choice.  They can not provide, will not provide, how they determine this score, or any reasons why the score is low.
Consumer complaint received 2016-10-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (MD)

Citibank Checking account balance falls negative because of their monthly maintenance fee and my joint account with my My spouse was reported to credit bureau and my score and my spouse score dropped more than XXXX points after that i took car loan and it cost me 7 % interest rate instead of 1 % .After mutiple calls and complaint citibank has not fixed my issue.
Consumer complaint received 2015-05-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CITIBANK, N.A. (NC)

One Main financial will not stop calling me at work. My AC broke and I had to repair it, and I am behind. I have told them repeatedly and hung up on them. I am not allowed personal calls at work and I keep getting in trouble when they continue to call me. I have spoke to the manager at my local office, XXXX, he was supposed to note my account, but they keep calling.
Consumer complaint received 2024-02-17
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. (TX)

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 XXXX5 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.
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL (NY)

I only owed XXXX XXXX XXXX dollars. When I was goin to pay on my assigned date the electronic fund was goin to take place .they closed my account abruptly and sold it they said. I tried to get info on where to pay to avoid further problems and they did not know who it was sold to. Then a guy who harassed day and night and talk to me forcibly and told me I was goin Togo to jail said I owed XXXX dollars which I didnt. I wouldve paid this off already but its not fair theyre harassing me and now send me calls that they are the irs and are suing me and Goin to put a lien against me and its not even the right amount. They call me constantly saying they are goin to a judge in a few hours to have me deposed.or that they are the irs and are goin to take it out of my paycheck.or that theyre the govt and are trying avoid having me arrested and the call till XXXX XXXX
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hard inquiries past two years old still on my credit report -reported this to the Trans Union dispute process. Received information it was resolved. But the report does not reflect any changes.
Consumer complaint received 2015-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Seterus, Inc. (AZ)

I am trying to refinance my home and it is eligible as a XXXX refinance. The existing mortgage has mortgage insurance. So, the new harp refinance must carry the existing MI. The Existing MI company is XXXX and they are no longer in business and they have indicated the policy has been canceled 1 month after my loan was originated. When I call my servicers they transfer me around for hours with out providing me any answers to whom the current MI provider is so that I can complete my refinance. My current servicer is Seterus.
Consumer complaint received 2016-08-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC (GA)

XXXX XXXX is a indivivual and has hired a debt collection agency to try and get {$5000.00} from my business and the individuals who work at this business. My auto shop performed some repairs on XXXX 's vehicle for {$810.00} and now has hired Fidelity Information Corporation to collect {$5000.00} from us. No individual can hire a collection company. How can this company try and do this and on what grounds. Its litigation and illegal for this company to do this under the Fair Debt Collection Practices Act. This company has committed many fraudulent acts as you can read all over the XXXX.
Consumer complaint received 2016-06-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I opened a Citigold checking account which had a sign-up bonus of XXXX XXXX miles after meeting some requirements. Once I met those requirements, I contacted Citi to see where my miles were and they told me that I did meet the requirements as I was supposed to, however, they were not going to honor the XXXX XXXX miles because I was n't targeted for the promotion. I have a screenshot of the promotion that says I am targeted, so I do n't understand why they would say that. It seems like they just do n't want to give me my miles.
Consumer complaint received 2021-02-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

Under the Fair credit reporting act, take appropriate action to correct inaccurate or incomplete information on a credit report. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Bankruptcy court does not report to reporting agencies and does not report to any other of the agencies.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: U.S. BANCORP (NV)

U.S Bank will not remove me from XXXX XXXX XXXX. I had a over drawn account with US Bank back in XXXX of 2017. The over drawn amount was removed from another account I had with US Bank and the negative balance was paid in full. In the amount of XXXX on XXXX XXXX 2017. Even after the account was paid in full they have not removed me from XXXX XXXX XXXX. I have tried on two separate occasions to set up new accounts with other banks and have been declined because Im still listed on XXXX XXXX XXXX  owing US Bank money. Ive called, sent emails. Got nothing but the run around and nothing accomplished.
Consumer complaint received 2020-04-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lotane & Associates, P.A. (FL)

As per the court agreement dated XX/XX/XXXX we agreed to pay {$100.00} per month toward a total of {$12000.00} which included the principle amount {$11000.00}, interest {$87.00} and court costs of {$360.00}. This total amount is for a medical bill with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I now find out that the collection agency, Lotane & Associates PA of XXXX Fl, have been adding interest to this amount. This is against the order of the court. I've tried several times to get a fee statement balance from Lotane & Associate but have not been able to acquire one until today via email showing this interest in question. We have been paying the agreed {$100.00} amount with automatic payments from our bank account without incident until XX/XX/XXXX when our Bank account was compromised. We immediately closed that account and opened a new account with another bank. Immediately we set up automatic payment to send {$100.00} per month to Lotane & Assoc via our new account. We started receiving letters from Lotane & Assoc saying our payment checks had insufficient funds. Upon checking with the new account the payments went through without a problem. Finally after 2 months of trying to deal with Lotane & Assoc I went to the old bank. Apparently the old bank did not stop the automatic payments when we closed the account. I obtained a document from the bank claiming total responsibility for the errors and sent it via email to Lotane & Assoc. I thought all was well until they started sending me the un-cashed checks from my new bank account saying they would not accept them due to having too many NSF checks issues. Again, the other bank took responsibility for this problem but Lotane & Assoc did not budge. So I had to start paying the bill via their webpage. This is where i discovered the amount due was incorrect.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (MS)

I opened the account and I wasn't told about their overdraft fee nor was I told that they will go into my account and transfer money out of one of my accounts without my prior authorization and place it into another account to recover any other fees. This is fraud and this is theft. Navy federal made my account negative because the transaction was posted to my account Last week and then Navy federal posted the money back to my account for availability so I did not know the transaction wasn't completely making me in the negative balance. But this just occurred on XXXX XXXX, and the next day on XX/XX/2022 they Fraudulently transferred my money out of my account. Send me an email with a response as well as an ACH deposit to my account for the Consumer violations within 5 days of receipt of this letter. The mailing address is XXXX XXXX XXXX XXXX Mississippi XXXX. My Location of Information is the above mailing. I have XXXX XXXX XXXX XXXX MaXXXX because that is my area of location where I work.
Consumer complaint received 2017-12-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I noticed in my TransUnion credit file that its reporting that I had credit card with XXXX department store amount past due {$970.00} which I found to be inaccurate and it needs to come out of my credit file as other two credit monitoring companies did. I contacted XXXX they said they are responsible for TransUnion inaccurate information. I seek attorney advice she wants me to go through with CFPB first as this should have not being reporting in my credit file up to now.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

There 5 charge offs on my credit report for which I don't recognize. I called on the consumer reporting agency XXXX to show me a copy of some underlying application with my signature from the creditor and they didn't, they just sent via email that the items are updated and that they contacted the creditors. I'm kindly demanding the instant removal of those items since they couldn't show me any proof for which I requested. I sent the letter via certified mail on the XX/XX/2021 XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXX account # XXXX account # XXXX XXXXXXXX XXXX XXXXXXXX, account # XXXX
Consumer complaint received 2019-05-13
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. (NJ)

XXXX aNd Equifax are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and Equifax are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinnXXXXown by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of XXXX  and Equifax ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Capio Partners, LLC (TX)

Capio partners XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, Capio partners a debt collector intentionally and with intent to cause harm to my credit to force a settlement reported a debt with a service date of XX/XX/XXXX as being from XX/XX/XXXX and 90 days past due. 
This was done with the intent to force a settlement or compromise ( they offered to accept approx. 75 % of the amount in question for an immediate removal of the misreported information ) and with intent to harm my reputation and ability to
Consumer complaint received 2017-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery A is trying to collect a debt on behalf of XXXX XXXX XXXX XXXX. 
I never had an account or even know what services this bank gives. 
I tried to call the bank and they had no information of this account. I called Portfolio recovery and they refused to deal with the case and claimed it 's mine, even though they could n't even verify mi information. 
I 'm trying to take a student loan to go back to school and my whole future is held back because of false information Portfolio recovery are throwing on my credit report.
Consumer complaint received 2017-01-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Creditors Bureau Associates (GA)

A negative report was placed in my credit file in the amount of {$1000.00} without even sending out a letter or phone call to notify me. I got my annual credit report to find that Credit Bureau Associates # XXXX in XXXX, Ga placed a negative notation on my credit. This was not my debt. The Credit bureau looked my information up posted it and did not even notify me by letter or phone before negative report was placed in my credit file. If they had sent out a letter beforehand i could have told them that I have never needed services that required XXXX services.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Velocity Portfolio Group (NY)

There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. CKS PRIME INVESTMENT ( Opened XXXX XXXX, 2019 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.