davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, 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 mortgage from my credit report is greatly appreciated. 
Thank you
Consumer complaint received 2018-06-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NC)

discover bank closed my account and we agreed through a verbal communication that I would pay {$62.00} a month. The date for this was never confirmed. The person simply stated the first one would be withdrawn from my account on the XXXX of XX/XX/2018. Discover gave you an online website. On this online website it does not list any arrangement or dates and also does not show a payment pending. On XX/XX/XXXX I went to the online site and made a payment of {$50.00} dollars because after waiting over a week for something to post nothing had posted to my bank account. I also called Discover and told them I did not see anything posted and the payment where not showing online. they informed me they don't show this information on line and they don't send out letters but said the agreed about was {$62.00} and it was coming out on the XXXX of each month. I informed discover on XX/XX/XXXX that I was not comfortable having an agreement where I had no written information on what the agreement was and one where payments would not show up any where and I would receive no statement about the debt or amount owed. Discover stated they would try to mail out a letter on the XX/XX/XXXX and that the payment of {$50.00} would be reversed since they already processed a payment of {$62.00}. Neither of these happened. The payment of {$50.00} went through and on XX/XX/XXXX XXXX received an email that the payment of {$62.00} did not go through. At this point I was confused how almost a month later Discover is just now processing the payment. I went onto their website and scheduled a call for Friday XX/XX/XXXX at XXXX EST. did not receive a call till Saturday XX/XX/XXXX at XXXX in the morning. Nothing was resolved. Stated again I wanted a letter talking about the arrangement was told one would be emailed to me that day. Nothing has been received. Scheduled another call for Monday XX/XX/XXXX at XXXX. Received a call on XX/XX/XXXX at XXXX. Spent majority of the call on hold and explaining to them that after getting my scheduled call 30 minutes later I did not have a lot of time to talk. Although they seemed to just want to update information. Asked again for a letter to be sent out on the arrangement this time via mail. Was told I already requested a letter. Discover bank is making it impossible to work with them and refusing to send out information related to the terms of a payment arrangement of the debt. they give you an online system but nothing can be honored on that system. At this point Discover can pull whatever amount they want at any time and I have nothing to back this. They are not answering when calls are scheduling and when you do speak to them on the phone they lie to get you off the phone and do not do what they stated they will. this hostile attitude is making it difficult for me to trust the issue will not become a larger one. due to multiple lies already done.
Consumer complaint received 2022-09-13
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
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
Consumer complaint received 2021-03-25
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: EQUIFAX, INC. (PA)

I have attempted to contact Equifax on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to any communication. I have sent them now 4 requests to review my file. When I called and spoke with a representative they said to me that they have not received any of my communications. I have a record of all communications sent, the third attempt was sent through UPS with a tracking number so I know it was sent. I have just recently sent them a final request through certified mail, however the damage is done as I have been waiting since XXXX of last year. I am attaching a copy of my final communication to Equifax.
Consumer complaint received 2018-06-27
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. (NC)

XXXX XXXX XXXX has submitted 4 request to have the account removed from my report and the account has not been removed. Ive also disputed this account on 3 separate occasions but XXXX   XXXX XXXX has verified the account has responded to the dispute as valid.
Consumer complaint received 2019-06-01
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: U.S. BANCORP (CA)

BANK XXXX XXXX REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND US BANK XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Consumer complaint received 2018-06-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (NJ)

I send a validation of debt on XX/XX/XXXX and Midwest recovery got it on XX/XX/XXXX.they failed to respond to my validation of debt and there was no communication at all from they part, they are violating my rights on reporting accounts thats was not 100 % veritable, because they cant provide me with any documentation of this debt, they need to remove it as soon as possible.
Consumer complaint received 2015-07-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank sent me a letter stating they were closing my account. No reason was given, so I went into my branch to ask why. Again, no reason was given and the manager advised me to call the XXXX number on the letter. When I spoke with this department again, no one would give me a reason for closing my account, they just simply said it was " according to metrics and that I made my deposits and withdrawals on the same day '' ( is n't this the point of a bank ) I feel like this was unwarranted and someone in a back office who does n't know me is trying to make judgments about an account based on daily transactions ... .no phone call was made to me to try and inquire about these transactions and no effort was made to remedy the situation by the bank.
Consumer complaint received 2017-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

My loan servicer is Navient and they have been terrible. I have been trying to get my repayment in the correct plan and the monthly payment amount correct so that I can receive loan payment assistance from my school. I 've had to apply for forebearance because every time I follow through with their advice and request for documentation, they tell me I need to do something else ( after giving them the requested time of response ). I actually want to START repayment and my school is ready to pay the loan if Navient could actually assist me. Instead I 've missed three months of opportunities to have my school loan monthly payments paid and accrued additional interest.
Consumer complaint received 2020-07-19
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. (OH)

My name is XXXX XXXX XXXX and I am having some problems with inaccurate information showing on my credit. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine and are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-26
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: EQUIFAX, INC. (NC)

I've sent certified letters to XXXX  XXXX XXXX , XXXX and XXXX XXXX on XX/XX/2018 It has been well over 30 days ago requesting validation for the alleged debts. I have not received a response and have not received any validation as I requested. I have then sent certified letters with supporting receipts to Equifax and XXXX requesting to remove these accounts from my credit file. My rights and F.C.R.A law is being violated! The accounts have not been verified 100 %. XXXX  XXXX XXXX sent a collection letter stating that they have received an EOSCAR dispute online from me which is not true. They are basically admitting to using EOSCAR. Any automated response or EOSCAR verification is unacceptable. If the CRA can not provide physical verification of the account it is an UNVERIFIED account and must be deleted. I have also received a letter from the Clerk Of Court stating that they do not release information to collection agencies and credit bureaus. 

I've uploaded copies of certified receipt and documents
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PLAZA HOME MORTGAGE, INC. (GA)

On XX/XX/XXXX, I got a notification from XXXX about a change to my credit report. Plaza Home Mortgage was reporting me as 150+ days late. I had entered a forbearance in XX/XX/XXXX un the CARES act as my salary had been temporarily cut. At the end of the forbearance period in XXXX or XXXX, I was unable to pay the in arrears amount in full. I was given the option to repay over 6 months ( which I could not ) or a modification. I paid the new amount on time each month. It is my understanding that under the CARES act, the mortgage company should continue to report the account as current since it was current before I entered the forbearance period. I immediately called Plaza Home Mortgage on XX/XX/XXXX and they admitted it was reported in error and they would reverse it, but it could take 30 days. It is still reporting as late on all 3 bureaus. I called Plaza Home Mortgage on XX/XX/XXXX. The initial Customer Service Representative told me they did not follow the CARES Act. I asked to speak to a supervisor. They told me they would correct the information and would get back to me on Monday XX/XX/XXXX. I still have yet to receive a call. This error has caused my credit scores to drop 100-200 points, depending on the score. Several credit cards have dropped my limits by thousands of dollars. This made my score drop more as it my utilization go up.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2018-06-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ACS Education Services (MA)

In XX/XX/XXXX my XXXX loan servicing was transferred from Conduent/ACS to XXXX XXXX XXXX. Payments sent to ACS after XX/XX/XXXX were supposed to be applied by ACS to  XXXX. I sent in my regular monthly payments ( timely ) on XX/XX/XXXX. I had not at that time received a notice from XXXX at that time to change servicers. THE XXXX FAQ site covering the change says that any payments received after XX/XX/XXXX would be applied by ACS to XXXX. As of today, XX/XX/XXXX I do not see that this has happened as I am getting past due notices from XXXX for a month 's worth of payments ( {$300.00} ), which I assume to be XXXX 's which were never sent by ACS to XXXX. 

This issue encompasses XXXX loans, whose monthly payments total the above {$300.00}. 

The XXXX # are : XXXX XXXX XXXX Thank you very much for any assistance you can provide.
Consumer complaint received 2021-03-25
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I SENT TRANSUNION LETTERS ON XXXX XXXX ABOUT A INACCURATE AND INCOMPLETE ITEMS THATS ON MY CREDIT REPORT.THEY HAVEN'T RESPONDED TO THE LETTERS WITHIN 30 DAYS NOR DELETED IT FROM MY CREDIT REPORT WHICH IS A VIOLATION AND IS CAUSING ME STRESS IN MY BODY.
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I have autopay set up on my account with Capital One credit card account. I use my business checking to pay for it. 

In XXXX, I closed my business checking with XXXX and withdrew all the money. I, then opened my account with XXXX and deposited said money. 

I updated my Capital One credit card account autopay to withdraw from my new XXXX account. 

On XX/XX/XXXX, i had a successful auto draft from my XXXX account to pay Capital One. 

XX/XX/XXXX and XX/XX/XXXX, somehow my payments came from the XXXX account again causing them to be rejected. 

Now they are reporting poorly on my credit and i have to pay fees and charges. My score has dropped almost 60 points. My credit card cant even be used now. 

The worst part is i was never contacted until I chatted with someone online today who said that she couldn't request a call back for me. Whomever called was rude so i asked that she escalate me to someone else. After a long wait, the manager got on the phone and not soon after the call was disconnected. Interesting. 

I also went to update the information and schedule to pay the balance and fees, i notice that my XXXX account is the only account saved. So now i am wondering how many other people are still be charged from old account after they have updated their information. 

I have screenshots as well.
Consumer complaint received 2022-09-13
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. (TX)

This is the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$43000.00} ; XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX  XXXX Balance : {$6600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX  XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$1500.00} ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting 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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2020-07-19
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. (OH)

I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with 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, this is a error please delete at once. I have a FCRA 611, 623, 609 DISPUTE for a late payment this is not accurate please delete. I have never been late on my PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! 
Information belongs to someone else PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see is in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID
Consumer complaint received 2020-07-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: TD BANK US HOLDING COMPANY (NY)

I deposit check by Mobile deposit on XXXX with {$250.00} and the check has my name on it and deposit it in my checking account in TD Bank and on XXXX that money token from my account and i called bank many times and for each call they said diffrenet reasons and one of reasons that i deposit the check two times and i didn't and i have prove from the bank that i didn't but last call they said in XXXX the check deposit in diffrenet place ( it is not me ) ... and i am not trust the bank and trying to neglact me many time, ,even if somebody found the check and deposit it ( for who this check and with whom name and who deposit it first ) ..check number is XXXX