davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
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. (TX)

I am writing to express my deep concern and frustration regarding an unresolved issue on my credit reports. There is fraudulent information from XXXX XXXX XXXX XXXX XXXX which, despite my previous attempts to resolve it, remains unresolved on my credit reports. I believe this fraudulent account has been reported inaccurately and is adversely affecting my credit score. As a diligent consumer, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ) to dispute this inquiry 's accuracy with your company. The FCRA explicitly grants me the right to ensure that my credit report is fair, accurate, and up-to-date. However, despite my efforts to rectify this matter, I have not received any satisfactory response or resolution from XXXX XXXX XXXX XXXX XXXX. I hereby request that XXXX XXXX XXXX XXXX XXXX. Remove this fraudulent account from my credit report immediately. I have attached my FTC report supporting documentation. According to the FCRA guidelines, I trust that your company will uphold its responsibilities under the law and resolve this matter promptly within the specified timeframe. If XXXX XXXX XXXX XXXX XXXX fails to address this concern and rectify the inaccurate reporting within the given 30-day period, I must inform you that I will be left with no choice but to pursue legal action to protect my rights as a consumer. I sincerely hope that it does not come to this and that we can find an amicable resolution to this matter before it escalates further. I believe in the importance of accurate credit reporting, not just for my financial well-being but for the integrity of the credit reporting system as a whole. As such, I expect XXXX XXXX XXXX XXXX XXXX to take this matter seriously and treat it with the urgency and attention it deserves. Thank you for your immediate attention to this matter. I expect that XXXX XXXX XXXX XXXX XXXX will adhere to its legal obligations and resolve this issue expeditiously. Your cooperation in this regard will be greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-03-31
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LDF Holdings, LLC (FL)

I applied for a loan through makwa finance. For a loan of XXXX I was desperate for a loan because Im dealing with a hardship and I needed the money to pay off debts and I explained that I have a payment upcoming on XX/XX/30 I told makwa via email that I wont be able to make that payment on XX/XX/30 I was told that I would be able to make the payment on the XXXX then I get an email this morning saying that my account is in collections I explained that Im in a hardship the representative XXXX tried to lower the amount it still was high for me it was in the XXXX I asked to speak to a supervisor I she got very defensive and said I gave you all the options why do you want to speak to a supervisor. She placed me on hold and left me on hold. I called back I was very emotional the rep seemed nice and said she will stop ACH payments and to make the payment online or make small payments. Then I called this afternoon because I received an email and another rep was asking when is the payment going to be made. I had to explain again the situation Im in I asked to speak to a supervisor and I was transferred. I could barely understand because of the heavy accent. She asked if I can make a small payment. I got frustrated because she began talking about collections. I couldnt understand Im confused she said its not confusing. I hung up I called again and I spoke to a representative who was asking for a payment again. And the representative told me that she will continue to send emails. I tried to call customer service. Instead I get account resolutions and I asked if this is customer service the rep picked up got an attitude with me and said this is account resolutions why do you want to talk to customer service. This rep was very XXXX. I hung up. I dont need this stress I have enough on my plate
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I contacted XXXX XXXX about erroneous charges for car insurance. Although we couldn't come to a resolution on validity of the debt they agreed to have it removed from the credit report. I have reported this Experian and they have failed to investigate and validate the debt. The information on this account is grossly inaccurate. I have asked the credit bureau to investigate and validate this debt and furnish the following : 1. Original Contract 2. Payoff Disclosure 3. Interest rate disclosure 4. Valid and correct Balance history 5. Valid and correct payment history 6. Proof of credit insurance Up to now, Experian has failed to accurately validate these erroneous charges as valid debt matching my name, and address, and provide documentation of this debt being mine. 

The account number on my credit report for this account is # XXXX Current law states the following pertaining to the Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION (CA)

MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NJ)

I am seeing a debt on my credit reports XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services I had no idea who this agency was, nor was I aware of said collector until I applied for a vehicle loan I had never had any communication with them in the form of email, regular mail and or phone call regarding this debt of {$2300.00} Upon our Lawyers advice we wrote to this Agency asking for verification of said debt The letter was very precise and specifically asking for the following ; to provide any and all competent evidence that I have any legal obligation to pay them Specifying that I had no contract with this Agency for said debt I wrote this letter in XXXX of 2018 and sent it Certified Return Receipt Requested After a little over a week I received the confirmation from XXXX that they signed and received my request for validation letter ( signed return receipt was delivered to me ) As of this date I have still not received any validation from this Agency nothing that legally validates any obligation or contract to pay this Agency - no proof of any correspondence with this Agency I have not received any correspondence and/or phone calls I have never spoken with any individual from XXXX / XXXX Resurgent Capital Services They are still reporting to all 3 credit bureaus!
Consumer complaint received 2015-05-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (FL)

XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors.
Consumer complaint received 2021-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP (NV)

Purchased a Honda Civic in XXXX. XXXX XXXX ( finance manager ) didn't print out or email my contract. I called/emailed/showed up in person 4 days later to have my contract printed ... guess what they included without telling me?! A vehicle protection plan ( I declined all additional services in person, SEVERAL times ) so SHADY. No wonder they didn't want me to have a copy of my contract! I contacted the dealership and XXXX emailed saying that she apologized for not sending me my contract to the correct email ( she misspelled it ), and that she would have my money refunded to my account and that she hoped that I would not leave negative reviews for her mistake blah blah blah .. it's almost XXXX and nothing has been refunded. I emailed XXXX last week and she said " it's a mystery to me why it has not been refunded '' like??? So unprofessional, so shady, would not recommend this dealership to anyone. 

Vehicle protection plan {$100.00} was charged on XX/XX/XXXX. 

I requested it to be canceled on XX/XX/XXXX and was told to send them my Honda account # to get a refund. 

I received my account # on XX/XX/XXXX and sent it to XXXX ( XXXX manager ) and she said that it could take 6-8 weeks. 

Hadn't seen any refund so I contacted her on XX/XX/XXXX - called/no answer/left voicemail and sent her an email to get an update. 

I received an email saying that " it was a mystery why I haven't received a refund ''
Consumer complaint received 2022-10-05
Product: Vehicle loan or lease — Lease
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: WELLS FARGO & COMPANY (IL)

Request for my Title Information to be corrected with the State of Illinois I have been making numerous requests to XXXX XXXX and Wells Fargo to have my title & registration corrected. XXXX XXXX and Wells Fargo caused me to have a lien on title and now XXXX XXXX and Wells Fargo need to remove the lien. 
This is not an unusual request. It is unusual that these big companies are so uncooperative and not willing to fix a mistake that they caused. 
Time & time again I have been I have been asked to call these businesses but that will not correct my problem. I need these businesses to contact the state of Illinois to correct their mistake. 
Background : My vehicle was a Leased-Vehicle that I purchased over 2- years ago. The lease agreement was originated XX/XX/XXXX by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, Il XXXX with a phone number of XXXX. 
At present, Wells Fargo is listed on the title for my vehicle. XXXX XXXX XXXX is listed on my registration. Title information obtained from the Illinois Secretary of State indicates my car has multiple owners. 
I obtained the pay-off from XXXX XXXX XXXX I made lease payements to to While I was leasing the vehicle, What I need completed : Some business related to my lease transaction needs to contact the State of Illinois to Remove a lien. 
Visit the Secretary of State Illinois and verify the current status of the title. 
1. Visit the web page for Title & Registration Information : Title and Registration Status Inquiry ( ilsos.gov ) 2. Enter the VIN and Confirm Wells Fargo is still listed on Title 3. Follow the instructions to change the title and contact the nearest Secretary of State Facility or call XXXX with corrections to remove Wells Fargo & XXXX XXXX XXXX from my title. 

Attachments : PDF Copy of this complaint Summary document of background information Current title information obtained XX/XX/XXXX from the State of Illinois Secretary of State Recent letter from Wells Fargo
Consumer complaint received 2016-08-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have contacted Transunion to dispute the information they are reporting regarding a Bankruptcy in which they have obtained this information. I contacted the court and were informed they do not furnish records and information to the credit reporting agencies, which they do not. The credit reporting agency responded by telling me they are not required to give me that information. They have violated the FCRA Section 609 a 2 ) and Section 611, paragraph ( 6 ) ( B ) ( iii ). We request that the bankruptcy in question be removed from file forthwith.
Consumer complaint received 2022-09-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-08-10
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, Discharged XXXX : Bankruptcy Reference Number XXXX
Consumer complaint received 2022-08-10
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: American Credit Acceptance, LLC (VA)

I have sent them a money order for over XXXX to cover my payments. They said they would be investigating why the money was not credited. This is the third time I have had issues with them to get my account resolved. The last date of repossession was XX/XX/2022
Consumer complaint received 2018-03-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (FL)

I began my college career back in XXXX, being a young mother without a college degree trying to make ends meet I relied on student aide as well as student loans to make my way through college. I graduate with my XXXX in XXXX back in XXXX, since then I have never been able to afford my monthly student loan payment. I have tried for years to get my monthly payments reduced to something more affordable, but Ive never been able to, so Ive been forced to request forbarence after forbarence, thus only added up my interest and payments.
Consumer complaint received 2016-06-04
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION (CT)

People 's United Bank was notified, by me, regarding XXXX transactions on my bank account that were paid by other means, due to banking error. 

People 's United Bank credited XXXX out of the XXXX transactions to my account. People 's United Bank admitted fault, but did not take care of the third transaction. 

The XXXX transactions took place on XXXX XXXX, 2015 - {$5600.00}, XXXX XXXX, 2015 - {$870.00} and XXXX XXXX 2015 - {$1000.00}. The transactions for {$870.00} and {$1000.00}, were taken care of, but the {$5600.00} was never credited. Initially, I contacted the bank within the normal dispute time requirement, but the bank representatives never took responsibility. I did NOT receive documentation in XXXX, 2015 to dispute the charges, or any other form of documentation to dispute the charges for the rest of the year. 
I made repeated calls for months with no response, to People 's United Bank, shortly after contacting them about the charge. I contacted People 's United Bank repeatedly, to take care of the {$5600.00}, with no response. I finally got a hold of the head of the ACH/dispute/fraud department and was issued a fax number after opening the complaint with the XXXX, yet I still did not receive any response from the company, even after sending the documents. 

People 's United Bank closed my account, without any warning or justification after I contacted them about this matter, hoping to discourage me, from pursuing this matter with them. I can justify this fact, because when I called about my account issue, they explained that they could n't assist me, because of my closed account. 

People 's United Bank has carried out a litany of unethical business practices and displayed blatant financial misconduct. People 's United Bank needs to be held responsible for their actions. 

I have proof of the transaction, paid by other means, via bank statement. I will also provide proof of email communication and call logs from my phone ( date/time ) during the date range, the transaction occurred with People 's United Bank. Fax confirmations, proving that I contacted People 's United Bank within recommended time frames, which also contained the necessary information to pursue the dispute, was also saved.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MA)

Navient refuses to look at offering me income based repayment or a reduced repayment even though I 've had it for the past 3 years. They did this last year as well, the only way I could get it done is to stop paying, pay for a forebearance to bring the notes current, then they would help me reduce the payment, but only for an 11 month term. All of the progress made with the reduced payment is effectively gone because they force you to add extra principal just to get back to your previous payments.
Consumer complaint received 2022-10-05
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: CMRE Financial Services, Inc. (MD)

This company waited the full 60 days, to the day ( XX/XX/XXXX to XX/XX/XXXX ) to submit feedback- which is false information. 

First, I want to address how they said my balance was from prior XX/XX/2019 - I wasn't even at my first XXXX appointment until after that date, so this definitely is incorrect. 

I am also attaching another EOB showing a claim my insurance denied- I do not have to pay for balances denied by my insurance so if this is what they are trying to collect that is illegal. This entirely situation is shady and unethical. I had XXXX as primary and XXXX as secondary - which is why my letter from the doctors office showed XXXX would finalize any outstanding balances and my ledger was to be {$0.00} at all times. 

XXXX covered retroactive balances. I was not billed for any balances, and the office had notification and gave me a confirmation letter I did not owe any balances and would not in the future owe balances because I had XXXX coverage. Sending my account straight to collections without billing me in XX/XX/2019 was also referred to send to XXXX for coverage, which they failed to do. They shouldn't be sending accounts straight to collections agencies, despite knowing XXXX is covering balances- this is absolutely unethical and unjust. This balance is absolutely incorrect and falsifying information. I sent proof, and am attaching it again, from the office I owed {$0.00}. I have done everything I needed to do for my coverages and balances, it is not fair to make up an amount, ignore insurance, not bill properly and directly harm people. 

The company is ignoring my previous writings to send the amount to XXXX, which said they would retroactively cover balances 3 months prior to XX/XX/2019. They also admitted to receiving my collections account in XXXX - XXXX bills were ever sent to me from the doctors office, which means they sent my account immediately to collections- all while telling me and giving me documents showing a {$0.00} balance. This is unjust. 

Nothing has been resolved. They did not look into my case, I attached paperwork with my submitted complaint showing {$0.00} ledger and letter of {$0.00} balance due to XXXX. There is no balance per the submitted paperwork and this amount needs to come off of my report.
Consumer complaint received 2024-02-17
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. (AZ)

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.