davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
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)

I recently looked over my credit report and became aware of an account that was not reporting accurately. There are 3 late payments on this account that i did pay on time. the consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments and all agencies will be reported with incorrect information. I have attached the appropriate documents from my report to this complaint on the following dates ( XXXX, XX/XX/year> ) I am now requesting you investigate and provide verifiable proof with records showing that I had late payments. if this information can not be verified I demand these payments be updated be updated to paid on time immediately. thank you for undedrstanding and for immediate attention to this matter.
Consumer complaint received 2021-12-03
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: VERITAS FUNDING, LLC (OR)

Veritas Funding ( XXXX XXXX  XXXX ) sent me an official/government-looking letter in the mail insinuating that I have " Adjusted Available Funds '' in the amount of {$3200.00} on my current mortgage with XXXX Loans. This letter reeks of a predatory lender tactic and this company should not be allowed to use this very deceptive tactic to lure unsuspecting customers.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

XXXX Attempted to dispute information on my Experian credit report. It has a fraudulent SSN ending in XXXX. The online service will not allow me to dispute it. I called 3 different numbers for them. XXXX, XXXX, and XXXX. When attempting to dispute this erroneous SSN their system said to call XXXX to better assist. This number only gives 2 options. One is to freeze your account ( which I did ), the other is to purchase a membership. It tells you about optional memberships you can purchase and does not even let you get any of the services. It tells you about them and then hangs up. Neither of them will get you to a person so there was no " better assistance ''. This SSN and anything in reference to it needs to be removed. 

There are also 3 hard inquiries that are from a XXXX XXXX  company that I had a credit card with over 4 years ago. This company is running my credit every year even though my account was closed in XXXX. They ran on XXXX, XXXX and XXXX. Experian will not let me dispute these either. They need to be removed. 

They also have my ex husband as my spouse and will not allow disputing it online and of course not by phone as mentioned above. He needs to be removed. We have been divorced since XXXX.
Consumer complaint received 2021-12-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (IL)

I paid off my car and received documentation on the payoff, but not the title on XX/XX/XXXX. This was with Gateway XXXX. However, at this time Santander had purchased Gateway. I originally filed a complaint after not being able to contact Santander in XXXX. CFPB XXXX # : XXXX Santander mailed me a letter following this complaint on XX/XX/XXXX stating that they released and mailed the title on XX/XX/XXXX. This date makes no sense as it was paid off in XXXX. They also said that a release of lien letter was requested on XX/XX/XXXX, and will be mailed out to me to take to the DMV to obtain the title. This was never received. 


I don't have a loan # or account with Santander, as gateway was the original loaner, and the loan was paid off at the exact time Santander purchased Gateway.
Consumer complaint received 2021-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc. (FL)

On XX/XX/XXXX and XXXX XXXX  I had 6 Transactions totaling {$1800.00} stolen from my business account from someone who had spoofed my Crypto.com account. I attempted reaching out to the account holder and after a very short period of time was told the funds would not be returned to me. I tried explaining what had happened and how all of my accounts had been compromised. They explained they were not responsible for the fraudulent activity and again refused to return funds. I am demanding that a site with little security be held responsible for the money and return these funds to me.
Consumer complaint received 2024-08-24
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. (FL)

I received my credit report recently and noticed there is still a fraudulent account appearing. Reinvestigate and delete the accounts listed below : Account Name : XXXX XXXX XXXXXXXX. 
Account XXXX : XXXX. 

I request that you reinvestigate the completeness of every piece of information and if it's not accurate, please remove it from my credit report. 

Based on consumer law 15 U.S. Code 1681i - Procedure in case of disputed accuracy, if within 30 days you can not verify the accuracy of the information, please remove the account from my credit report. 

Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-03-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NC)

I submitted a complaint back in XX/XX/2023 regarding my loan payment amount. I was shown one amount online and then told something different. Nothing matched up. Someone from corporate contacted me saying they received the complaint but never followed up. For months, I kept calling speaking with various representatives and no one told me the same thing or could answer my questions. They just kept saying that the payment is what is it. XXXX late payments were reported on my credit and when I called to ask why they told me it was an error and to contact the credit bureau . How do you make that type of error? It still has not been fixed 3 months later. I applied for the Loan Modification in XX/XX/2023 and my payments were reduced for 6 months but once the XXXX month hit it was back to square one. My payment went back to the original amount and I called and called. Again, no answers. The payment is just that amount is what I was told. Fast forward to this year, I keep calling to let them know how I am unable to afford an almost {$2000.00} a month payment and they tell me to try to refinance. As mentioned above, because of the excessive amount of late payments I'm now unable to refinance. I truly feel as though I am out of options with this loan provider.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over SEVENTEEN years. I have NO previous addresses. Credit bureaus XXXX, XXXX AND EQUIFAX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (GA)

I received the ppp loan in my account XX/XX/2021, and Citibank froze my account. I was required to and 4 questions about my loan and which I did correctly. I also offered to send in documentation. I never heard anything back until I contacted them the following Wednesday. I had to call 5 times to get help. They then asked me to send in documents. They companies customers service is terrible. Why should my money be held when I already had to be verified three times to get it. They also dont allow you to speak with fraud department. A bank shouldnt be allowed to freeze someone account this long especially when the money is legit. I even gave them my sba loan number. This is a loan under my social and I have to pay it back, not my bank and I dont even have access to the money.
Consumer complaint received 2022-10-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

XX/XX/31 I only knew this was on my credit report due to getting my credit report pulled by a mortgage XXXX XXXX nor this debt company never sent out a letter, they claimed they texted me I received no texts, no calls they claim they dont leave messages, so if they dont leave messages. 

They claimed they told me it wouldn't go to collections in this letter I did not receive which was the wrong address, it was not by certified mail, so it never arrived to me They are refusing to delete this as they claim they can not even though I had no rights to dispute anything or even knew this debt was owed. They did not reach otu to try to resolve this as they left no messages and I received no texts, XXXX can pull my text records if need be but I hope it does not get this far
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (LA)

NCB management will not harassing me. I sent them a Cease and desist certified mail which they received on XX/XX/2021. They keep sending me invoices for an alleged debt they dont even have the authority to collect on. My credit shows XXXX as the owner of this alleged debt. I have asked numerous times for them to stop contacting me and sending me items that dont even qualify as debt validation
Consumer complaint received 2022-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TN)

I reached out to loancare servicing in regards to my MIP being totaled as we reached the 78% LTV ratio in XX/XX/2019.The home appraisal, per the tax assessor is $XXXX. I submitted documentation to Loancare in XX/XX/2019,as requested. I later spoke with a representative of Loancare who confirmed that the home appraisal figure was in fact $XXXX. The representing requested that the deletion of MIP be reviewed again inXX/XX/XXXX. With that being said, we received a letter stating we still were not approved to delete the MPI, when in fact we did qualify since our  percentage of the LTV is currently at 77%.I have reached out to Loancare on three separate instances, yet have been unsuccessful in deleting the MIP. This is due completely to lack of due diligence in regards to Loancare. This is my last effort to resolve this issue before seeking legal counsel.The Homeowners Protection Act states that the services should have deleted our MPI once our LTV reached 78%.  Please note:The Tax Assessor sends a copy of any increases or decreases to our home appraisal each year. Thank you.
Consumer complaint received 2021-12-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

I have reached the Western Union ( WU ), customer service, several times and have spent over 10 hours on the phone already without any resolution. It has been over a week now, I hear the same response " we are working on it, call us back in 24-48 hours '' every day. 
As you can see in the attachments. I initiated a money transfer using WU from my bank in the US ( XXXX ) to a recipient bank in XXXX ( XXXX ). 
I have been sending money regularly using WU for a time-sensitive project in XXXX. 
The money transfer initiated on XX/XX/2021 with tracking number ( MTCN ) : XXXX XXXX XXXX didn't complete. Nobody in WU knows where my money is. I'm frustrated and worried about this missing money ( {$2900.00} ). I verified with my XXXX bank and the records clearly show that the amount was debited from my account. I'm currently on hold with the WU customer line for over 30 mins as I type this email. 

Please help us with this case. Thank you!
Consumer complaint received 2021-07-15
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. (AR)

I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX
Consumer complaint received 2018-02-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (DE)

I have been working on my credit report day in and day out for 8-10 hours a day across all three agencies. XXXX  and XXXX  are complete however, I Have received zero updates from equifax. when trying to check the status of my disputes on their website, it tells me my personal information is incorrect. The first time I called in an agent from another country stated that their online system was down ... ok. so I waited a day adn tried again. Again the system tells me my information is incorrect and I am unable to check the status. This has continued to happen for over a week and a half now. I also asked them why I was never notified that my personal information was stolen from their system during the breach. They had no answer and blew me off when i requested free credit monitoring for a year under their trusted premier thing. They stated it was past the time line to sign up for that.. Had i known about their inability to protect my information i would have called sooner.
Consumer complaint received 2024-03-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PR)

Accounts ending XXXX and XXXX were closed and I asked for a hardship withdrawal but the bank is asking me to go to a branch to withdraw my funds but I do not have a physical branch I can go to where I live in XXXX XXXX, XXXX XXXX. So I can't access the funds I need for my medical expenses.
Consumer complaint received 2020-09-07
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. (TN)

Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to TransUnion I reported it to XXXX  and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now
Consumer complaint received 2021-03-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (MD)

I received a collection notice from 2 businesses XXXX XXXX XXXX and Dynamic Recovery Solutions. Both claim rights to collect the debt for XXXX XXXX. I received notice from XXXX XXXX XXXX  first and signed a Debt Settlement Agreement with them on XX/XX/2021 then I received a notice from Dynamic Recovery Solutions on XX/XX/2021 both were for XXXX XXXX. I how do I know who has the current account. How do I verify who can collect the debt. Who is the ligitiment collector of the debt, please help!
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As of XX/XX/2022, incorrect personal information is still being reported to my credit I have only ONE address that has been my address for over XXXX years. I have NO previous addresses. Credit bureaus XXXX, TRANSUNION AND XXXX COMPANYS keep reporting inaccurate personal information and addresses. Multiple attempts have been made with all bureaus to fix the issue.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (NC)

I have received a copy of my credit report and it shows company XXXX ( Original Creditor : XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$150.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (FL)

I reach out to the credit reporting agency XXXX, XXXX, and XXXX and notified them that this account with XXXX XXXX XXXX if fraud. I never open or had account with this company. I sent letters requesting the information be remove. I also stated that this fraudulent information is hurting my credit. 

XXXX Total balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$1300.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (NY)

First, I was constantly harassed to buy products while obtaining the loan and then I asked what portion of the payments I make are actually going towards the loan. Because the interest rate seems outrageous and I have been paying for almost a year and feel as if the loan hardly decreased.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (SC)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2024-03-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (CO)

I received a second notice of collection from a collection attorney, but never received a first notice or a billing from the agency that submitted the debt for collection. This is a debt for a toll road that I don't use. In the past this agency has opened an account in my name that I never requested and sent me a transponder sticker that was immediately shredded and never used.
Consumer complaint received 2024-03-25
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NM)

One time credit from Synchrony Bank to purchase a sewing machine. I set up auto pay to cover monthly payment and paid balance in full in XX/XX/2024. Noticed a Synchrony Bank charge in my XX/XX/2024 bank statement of {$70.00}, which was the auto pay amount.

Called Synchrony Bank and was told that they will continue to take the auto payments- even though my balance is {$0.00} - unless I tell them to stop. I told them to stop immediately and refund my {$70.00}. They sent me a check for that amount.

I have a very difficult time believing that this is an acceptable/legal practice.
Consumer complaint received 2022-04-27
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. (SC)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and U.S. Bankruptcy Court Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions