davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, 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. (MD)

I am writing to request several credit inquiries that were unauthorized be removed from my credit report., I received a copy of my credit report and became aware of nine inquiries that I did not authorize. They are as follows : XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) XXXX. XXXX ( XX/XX/XXXX ) Each company has received a letter sent by certified mail stating that the inquiries were not authorized, and I have requested them to be stopped. In addition, I have asked for their removal from my credit report.
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY (NY)

XX/XX/21 I applied for an increase on my Nordstrom card. I was denied although I have paid my card in full and never missed a payment. I requested a supervisor to override the decision and refused. As I know a company can do a reconsideration based on However, note that issuers are required to reconsider your applications upon request. Under regulation 1002.6 in the Equal Credit Opportunity Act, it states that creditors shall consider any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicants. I will like an increase or they can just close out the account.
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

After some research on my part, it became apparent to me that an identity theft was facilitated by a security breech at Transunion Credit Bureau. On XXXX/XXXX/16 someone other than myself contacted Transunion on-line and received a free credit report, that was e-mailed to that identity thief. With the information obtained, XXXX retail credit cards were subsequently opened or attempted to be opened at XXXX ( through XXXX XXXX XXXX XXXX XXXX ), at XXXX, and at XXXX XXXX. ( I was contacted by XXXX XXXX XXXX XXXX XXXX and XXXX by phone on XXXX/XXXX/16. ) When I tried to get a free credit report from Transunion, I was denied because I had supposedly already received a free credit report recently. After multiple phone calls, I discovered that someone posing as myself had received a free credit report on XXXX/XXXX/16. After some more phone calls, I was unable to find out how this breech had occurred, where the credit report was sent ( they refused to give me the e-mail ), or any information about what my rights were, other than giving me an address to file a complaint.
Consumer complaint received 2018-12-04
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: Bread Financial Holdings, Inc. (ID)

I contacted XXXX XXXX on XX/XX/2018 about fraudulent charges on my XXXX Credit card. I contacted XXXX  about the charges who could not provide any information about the charges and stated that they were not linked to my account. I went into a local store who pulled up my XXXX  account and again had no further information and could not see any information about the charges. I contacted customer service to file a fraud case, they then advised they were submitting a dispute and I would see the XXXX credits on my account. I thought this was kind of odd since I advised this was fraud but I dont know there policies so I thought the rep knew what she was doing. I have not heard or received anything since this date. I know get email that states I have a past due balance of almost double what I reported which appears to be fees. I have not received any notification of a case. I have been sitting on hold for the last hour and will continue to wait as I wait for assistance but this is completely wrong and a perfect example of poor business practice. I was advise the issue would be resolved and was never contacted.
Consumer complaint received 2024-03-21
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

On XX/XX/XXXX my card stopped working. For four days I attempted to reach Marcus GM card and was put on hold for 10s of minutes before being disconnected. Their web site is of no use as it refers you to their customer service number which apparently never gets answered.
Consumer complaint received 2024-03-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp. (GA)

Southeast Toyota Finance claims that my {$10000.00} payment and the XXXX bank payoff check were processed concurrently, and that this caused an accounting problem, and that they have referred the problem to their accounting department for correction. However, it has been about a week since I talked to them about this problem, and about a month since they have been paid in full, and they are still showing a balance on the loan on my account on their website, without the XXXX payoff. Furthermore, I think that they owe me money, having been overpaid. 
The XXXX payoff to XXXX was {$18000.00} on XX/XX/2024. My {$10000.00} payment was credited to my XXXX Account on XX/XX/2024. I speculate that since the XXXX payoff was processed first, that this hung up the transaction, somehow.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C. (NJ)

Please see XXXX page attachment for this information but this is a 3 years piece of alleged fraud and theft to and against me on a removal of my electric meter and then a rewire to my landlords son 's meter causing a possible 80 % increase to my costs
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solomon and Solomon, P.C. (NY)

There was a debt of {$1900.00} being reported by XXXX on my credit report it was removed in XX/XX/2016 under a company called XXXX now it is appearing back on my credit report under the name Solomon and Solomon for the same account that has already been removed. I have disputed this numerous times with the credit bureaus with no changes made. What can be done to correct this it is hurting my score. I 'm sure I 'm not the only one this has happened to. Is it legal under the FCRA.?
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (NY)

My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.
Consumer complaint received 2016-04-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.
Consumer complaint received 2016-10-04
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Western-Shamrock Corporation (OK)

I just became past due on my loan today, and this is the XXXX month. I called the company both months to let them know I couldnt pay.They have my phone number & told me couldnt get ahold of me because my mailbox was full.which is untrue! Plus kept calling my references which I told them to stop.The girl on the phone said they have to continue to call until its paid but I asked why if I already called them to let them know I could n't pay.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (GA)

The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.
Consumer complaint received 2019-02-25
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: JPMORGAN CHASE & CO. (TX)

My credit reports state I have a Serious Delinquency on my Chase Mortgage. Chase is reporting that was 120 days late and that is incorrect. I was in a disaster area ( Hurricane Harvey XX/XX/XXXX ) and on a mortgage forbearance program sponsored by Chase From XX/XX/XXXX until XX/XX/XXXX - no mortgage payments were required. In XX/XX/XXXX, I entered into a loan modification program where I made trial payments from XXXX through XXXX. My loan was modified and I started making payments according to the new schedule. At no time was I considered late. In XXXX of XXXX, my credit report was impacted by Chase reporting that I had a late payment history with the worst payment being over 120 day late. I disputed this with the credit reporting agencies several times. I called Chase in XXXX and they said that although no payments were required during the forbearance period, none were received (???? ). Basically saying that even though you weren't required to make a payment, you are technically late because a payment was not received. I received a letter from Chase in XX/XX/XXXX stating that my account has been reported correctly to the agencies. After continued disputes I called Chase in XXXX and spoke with the Credit Reporting Department. They agreed with me that I should not have been marked late and that the reporting was done in error. However, they have not guaranteed that this will be corrected. 
This false and inaccurate reporting has had a serious impacted the credit scores for my wife and I for over a year ; dropping our scores below 600 and denying us access to loans and competitive interest rates.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Healthcare Receivables Group, Inc. (SC)

I ASKED FOR VALIDATION OF DEBT AND AS OF TODAY HAVE NOT RECEIVED ANYTHING BUT STILL CONTINUE TO REPORT TO CREDIT BUREAUS.THIS IS A VIOLATION FDCPA SECTION 809B WHICH I WILL SUE $ XXXX/VIOLATION. ALSO FDCPA SECTION 811A2 STATES THE COLLECTOR MUST BE IN THE COUNTY IN WHICH I LIVED WHEN I SIGNED THE ORIGINAL CONTRACT FOR THIS DEBT, THIS IS ALSO A VIOLATON WHICH I WILL SUE $ XXXX/VIOLATIONS.
Consumer complaint received 2016-11-05
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Exeter Finance, LLC. (NH)

Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. 
The car was also repossessed and resold which also was for more than the loan amount. 
I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.
Consumer complaint received 2021-06-04
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Adjustment Service, Inc. (PA)

I have written to and disputed this account multiple times, and I still have received nothing in the mail at all in reference to it! This is a huge violation of my rights as a consumer. In this country you can not report invalidated information to third parties, as that constitutes defamation. The FCRA explicitly states that I have the right to the information being reported about me to the credit bureaus, they have failed to validate themselves. The FDCPA states I have 30 days to receive validation or the account is moot, they have failed to provide validation of the debt they are reporting. They are in flagrant violation of the rights granted to me. Please help me!
Consumer complaint received 2017-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (NC)

In the past, I had a debt with  XXXX   XXXX . However, in   XXXX  ,  XXXX   XXXX  issued me a 1099 forgiveness of debt form. I had to count th is 1099 as i ncome and pay taxes on it in my   XXXX   tax return. Despite that, the collection agency that is reporting this account to   XXXX   continues to list that I have an outstanding balance of {$7600.00}. They should be reporting the balance at {$0.00}.
Consumer complaint received 2015-08-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I DISPUTE THE DEBT REPORTED BY XXXX XXXX THIS CHARGE IS RELATED TO A MODEM THEY MAILED TO ME AROUND XXXX OR XXXX 2010. I RETURNED THE PACKAGE TO THEM WITHOUT OPENING THE BOX AND THEY RECEIVED IT. HOWEVER, THEY SAID I HAD TO PAY {$190.00} DEPOSIT BECAUSE IT WAS RETURNED MORE THAN 30 DAYS AFTER DELIVERED, I WAS IN TREATMENT XXXX WHEN BOX WAS DELIVERED, AND I RETURNED IT UNOPENED AS SOON AS I WAS ABLE.
Consumer complaint received 2017-02-17
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Bread Financial Holdings, Inc. (NJ)

Threatened me to take legal action against me if i do n't call back within the same day. The message also said to make sure i had an attorney, and to send that information to him or he was going to do something that is going to impact me. He also made himself to sound as an attorney, and said that there were some papers on his desk and that if i did n't have an attorney he recommended me to get one.
Consumer complaint received 2016-08-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Did n't authorize check through these creditors : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I HAVE NO IDEA WHO AUTHORIZE CREDIT CHECKS FOR THESE CREDITORS.
Consumer complaint received 2016-03-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion fails to update my credit bureau report and does not notify me of any changes, additionally they fail to update my Score after I have no delinquencies. 
XXXX continue to have OLD OUTDATED information and medical bills that do not belong to me not to mention wrong information on late charges they have not investaogated and failed to contact me.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (UT)

I have a new address that has appeared on my credit report since the last time I checked. It is an address in Oregon. I have NEVER lived there, and I am concerned someone is beginning to use my credit for fraudulent reasons. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I paid a charge-off in XXXX and started to dispute it on XX/XX/XXXX to request it be deleted and I never got an answer from TransUnion. I have submitted disputes XXXX more times since, on XX/XX/XXXX and XX/XX/XXXX. Still, to this day, no response!
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

In an attempt to pay off charges related to an  XXXX  vacation, I went online  to Citi Card  and attempt to pay online. On  XXXX   XXXX , I noticed that the funds had n't left my account. I discovered I accidentally used a misnamed account  XXXX  both accounts were named  XXXX  bu t one was pointing  to my   XXXX   XXXX   XXXX   account ). Therefore the payment bounced ... but the funds showed available on m y Citi online  account.     I called customer service on  XXXX   XXXX  to try to resolve the issue ( because the account showed a  XXXX  balance, I was unable to resubmit the payment with the correct bank account. The representative assured me th at Citi card wo uld not try to retrieve the funds gain because it was not an automated account. I would be able to make the correct payment when the account cycles. I removed the offending bank account from my payment options to avoid any further issues.     A few  XXXX   XXXX ,  Citibank again tried  to remove the funds from my bank account, contrary to what the representative said. Through out all of this, I was constantly paying any charges that came up from my use of the card before I realized the issue.     On  XXXX   XXXX , the balance showed on my account and I was able to pay the full balance using the correct account. Days later I noticed my available credit w as 0. I contacted customer support and was informed that my card was being cancelled for 2 bounced payments. ( truthfully it was only submitted once ... they attempted twice. ) I explained the situation to three levels of support. As it turns out, the initial rep I spoke to never recorded the issue I had with my bank on my account. I explained everything again, and the   gentleman said he would submit it to the appropriate department.     The response I received was the payment issues were not due to a bank error and thus the card will be closed. I never claimed it was a ban error ... it was my error ... an error I did my best to correct through the constraints imposed by their automated systems, I 'm in the process of bettering m y FICO scores and t he loss of {$4000.00} in available credit is a big step backwards in this en-devour. Through it all, I was never allowed to talk with anyone that could have helped me fix what had gone wrong.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (AZ)

Been paying NAVIENT every month for years yet they fail to credit my account and report me in default every month -- -totally destroying my credit reports plus never responding to my queries. No payments forwarded to my school debt they take my money and keep it for themselves -- -RETURN MY PAYMENTS AND MY CREDIT!!!!!
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (CA)

I checked my consumer report and notice a major error an account from SEQUIUM ASSET SOLUTI, I am not liable for this debt to XXXX XXXX, and I do not have a contract with SEQUIUM ASSET SOLUTI. this is a violation of 15 usc 1681c- ( a ) ( 6 ) information excluded from consumer reports this is a violation
Consumer complaint received 2016-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Credit Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I aso was not notified within 5 days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.