davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 ; I recently bought a car and the dealership was excessively pulling my credit
Consumer complaint received 2021-11-10
Product: Credit card or prepaid 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 (OH)

My son is in the XXXX stationed in XXXX. This morning I tried to buy him a plan ticket to come home for XXXX. 

Tried 3 times and kept getting a time out due to payment issues. Originally tryin to purchase a flight for {$1100.00}. 

Contacted Apple Card and asked if they were declining payment for some reason and they stated they were not. Which I believed because I was not getting a message stating they were. 

Found a flight for {$950.00} and tried again and same issue. 

On hold with company for hours and they told me Apple was declining payment. I told them Apple was not declining payment. 

Tried a different company and the charge was declined but this time I got an authorization stating was declined and I was able to approve purchase but had to rebuy. Second time it went through. 

Tried to purchase insurance due to COVID issues and my card declined that purchase so many times that I was no longer able to purchase insurance. 

Because my card was declining purchases it cost me an additinal {$200.00} dollars for the flight and I am not insured ( meaning I can't get {$1100.00} if something happens and he can't come home ). The insurance was only about {$98.00} dollars that was declined so many times that my ability to buy expired. 

I tried contacting Apple Card twice about this issue and was ignore both times after message of please wait while we look into this issue. 

My credit limit is {$30000.00} with available credit of almost {$30000.00} this morning before I finally got a charge to go through. I also use this card exclusively. 

I am real upset for the following reasons : 1. I called and was told my card was not being declined when it was.

2. I was on hold/phone for over 5 hours before it was verified that my card was declining the charge.

3. Ticket cost me an additional {$200.00} due to Apple Card declining charge.

4. Unable to purchase insurance due to Apple Card declining XXXX dollar charge even though I authorized it multiple times.
Consumer complaint received 2022-11-16
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. (IL)

I have contacted Transunion asking them to remove inquiries that are on MY credit report. They have sent me things saying that the inquires were verified. I do not have any contracts with the companies. I have called the companies and they can not verify ANY information associated with me I would like to know what steps Transunion took to 'VERIFY ' this. They have not provided me with any proof once again. Please remove the following inquiries. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX/XXXX  XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXt XXXX XXXX ; XXXX  XXXX XXXXXXXX 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 XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and ALL inquires up until XXXX XXXX. I have called these companies I do not have any contract with them nor have I applied for anything. If they say that I have please provide me with my autograph. If no PROOF can be PRODUCED and shown to me please DELETE These are reporting inaccurately on MY report. Please send me the communication and/or method used to verify this. Your website say to call and thats what I did I called the company when I called transunion I was told I needed to file a fraud report that is not what their website says. This here is my fraud report.

UCC1-308
Consumer complaint received 2022-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc. (GA)

My name is XXXX XXXX a federally protected consumer, and I am making this complaint against Convergent Outsourcing , Inc for committing fraud and identity theft. I have never contracted with Convergent Outsourcing , Inc and I did not authorize nor consent to the use of any of my identifying information to commit mail fraud and unlawful extortionate activities by contacting me about an alleged debt they claim I owe them. These abusive, deceptive, and unfair debt collection practices committed by Convergent Outsourcing XXXX Inc have brought me severe stress and anxiety. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Convergent Outsourcing, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Convergent Outsourcing , Inc continues its collection efforts, I will file for litigation for actual damages caused, and Convergent Outsourcing, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2021-05-03
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. (FL)

I recently check my credit from XXXX and i notice a few fraudulent accounts on my credit report. I do not normally check my credit but i was at shocked when i saw how many accounts that was fraudulently open under my name. I got a few alerts stating that my information was on the dark web thats why i was worried about my credit. Also, i was affected by the XXXX  breach that happen a few years ago. I contacted the 3 credit bureaus regarding this and i was told to get an FTC report. I have attached it with my drivers license.
Consumer complaint received 2021-11-10
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. (OR)

My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MD)

On XX/XX/XXXX I reached out to my mortgage company to obtain a payoff letter. I was directed to either fill out their online form or email their payoff department. I did both. I was notified on XX/XX/XXXX, that the title company still did not have the payoff. I called Rushmore who claimed they never received the request. I do have proof of the email being sent. I was told they would put in an expedited request and have a manager call me within 48 hours. XX/XX/XXXX and XXXX passed with no payoff nor a phone call from a manager. I called Rushmore on the 3rd and was sent to a managers voicemail. I left a voicemail for XXXX XXXX, who did return my call. He advised I would have a payoff later that day or tomorrow morning at the latest. I was informed by my title company that Rushmore sent over my payoff but with the wrong property information. So they have sent someone else 's personal information to my title company. It is now XXXX XXXX  on XX/XX/XXXX and I still do not have a payoff nor have I heard from XXXX XXXX. I am concerned that my personal information has been sent to the wrong person being they sent my person the wrong information.
Consumer complaint received 2019-06-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

my husband and I were sent to collections for the amount of {$1800.00} and is currently accruing interest which amounts to XXXX as of XX/XX/2019. We have attempted to resolve this issue with the apartments by personally talking to the manager of the apartments for our first attempt, then continuously calling them after that. There were different managers every time we talk to someone. They would always say that they will send us emails as to what the charges were for but we have not received any kind of communication from last year until the present. So we do not know what the charges are for. They have our current email addresses and contact details but we have no communication of any kind from them about this debt that we supposedly owed. This debt collection report is now affecting our credit score. Thank you. Company is XXXX XXXX XXXX and is currently given to IQ Data International.
Consumer complaint received 2017-12-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (OK)

Midwest Recovery Systems, XXXX, posted a trade line on credit reporting agencies for a debt not owed to XXXX. Midwest Recovery Systems, XXXX, did not send a letter to dispute this debt. This is a zombie debt not owed.
Consumer complaint received 2018-07-25
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems (TX)

I had what I thought was a scam call from Midwest recovery systems over a year ago told me that if I didn't pay this payday loan form who knows when they were going to take me to court. I asked for proof of the loan and they told me on the phone too late for that. So I said see you in court then knowing it was a scam because I never had taken out an online loan. Didn't think anything of it intel today XXXX18  XXXX and XXXX has a collections on them from these Thief 's. So I called them on the phone XX/XX/XXXX18 and still tell me I have a payday loan for 7 year ago but wont give any details on the loan and nothing written. I cant see how a company preys off of people can get away of it.
Consumer complaint received 2018-10-02
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: CORELOGIC INC (GA)

I always ask vendors if they are pulling a hard credit inquiry and, if they are, I refuse their product, unless I'm shopping for something specifically that requires it. I try to keep hard credit pulls to one or less a year. 

The following companies are listed on my credit report as pulling a hard credit inquiry without my express permission : XX/XX/XXXX - XXXX  ( I have no XXXX credit cards ) XX/XX/XXXX - CREDCO ( The only service monitoring my credit activity is XXXX. I don't recognize Credco. ) XX/XX/XXXX - XXXX XXXX ( I don't recognize this company and have not expressly given them permission to pull a hard inquiry. )
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I purchased airline tickets from XXXX for {$1600.00} with my CapitalOne card. I never got my tickets and then called the airline to inquire about the tickets. I found out that our flights were canceled by the airline. The airline then issued a full refund. XXXX bought the tickets with their credit card not mine, so the refund was issued to XXXX and they did NOT refunding my credit card! 

I have called them several times and just hang up the phone when looking up my purchase. 

I then filed a dispute with CapitalOne and they first said that would take some time to get refund. Then CapitalOne said that they can not help me as the XXXX paid for the tickets with their card. I don't understand why capitol one can not just do a chargeback?
Consumer complaint received 2021-01-30
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2021-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (PA)

My mortgage services company has neglected to pay my XXXX XXXX real estate taxes, terms of which were set up in an escrow when I refinanced last year. I am getting bills from XXXX XXXX XXXX XXXX saying my taxes are in default and I owe {$4600.00}. Penalties keep being added on. I have contacted the company Amerisave Mortgage on numerous occasions, by email, by fax, and my phone, and the situation has not been resolved.
Consumer complaint received 2020-06-04
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. (AR)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX {$0.00} XXXX {$5500.00} XXXX {$4900.00}
Consumer complaint received 2023-01-09
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. (AZ)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies 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 Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-11-10
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. (GA)

XXXX XXXX XXXX and its history has been removed from 3 credit bureaus although it is and has been an active account for years with an excellent history and its removal has reduced my overall credit score.
Consumer complaint received 2021-05-24
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. (KY)

This is to inform that XXXX XXXX and Equifax have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these accounts.
Consumer complaint received 2020-06-04
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: TRUIST FINANCIAL CORPORATION (VA)

BB & T sent letter temporarily suspending HELOC account due to XXXX refinance to lower interest rate on current primary mortgage. BB & T sent an Account Closed by XXXX XXXX information to credit reporting agencies. If account is closed, then I certainly don't have any fiscal responsibility remaining. 
Account is open and accruing interest. Information provide to me by BB & T indicated the account was Temporarily Suspended due to a Subordination Request from my current Mortgage holder. I am in the process of refinancing my loan to lower my rate. Account was not permanently closed and should NOT be reflected on my report as CLOSED! If it is CLOSED, then BB & T does not require payment! DOES NOT PASS THE COMMON SENSE TEST! Rhetorically, would a report or any other action been filed if I had not refinanced my loan?
Consumer complaint received 2022-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (IL)

This is in regards to my Barclay card. I pay off the entire balance twice a month. I go to the Barclay Internet site, see what I charged, see what I owe and pay it off. It always adds up when I add the new charge numbers compared with the payments I have made. This month the Statement said I owed {$1500.00} ( XXXX ) and I have no problem with that, I went over the charges. I paid {$1400.00} of it which is reported as such on their internet Statements provided for me. That comes to a total of {$150.00} which I would gladly pay because I owe it. The Statement amount I owed said I owed {$500.00}. I wanted an explanation of why so I contacted them through their site. They replied see your transaction statement. That's exactly what I had done and the numbers just didn't add up. I called them went over the numbers. They said it was carryover from the month before but when we viewed those statements I actually carried over a surplus. we looked at the statement before that ( surplus ). They could not explain the discrepancy. I spoke with the supervisor, she could not explain the discrepancy. It ended with " you just owe that because that's what our records say you owe, so pay it. '' I have paid it and cut up my Barclay card. I told them to cancel my account but in my eyes because they couldn't explain the extra {$300.00}, I believe they stole that money from me. Thanks so much for this outlet and I hope you can help or at least warn people not to use Barclay. Respectfully, XXXX XXXX XXXX
Consumer complaint received 2017-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Source Receivables Management LLC (NC)

Company has failed to maintaining a system reasonably capable of receiving from CRAs information regarding disputes, including supporting documentation. 
Company has failed to conduct an investigation of the disputed information including reviewing : a. all relevant information forwarded by the CRA and ; b. the furnishers own information with respect to the dispute. 
Company has failed to report the results of the investigation to the CRA that sent the dispute. 
Company has failed to provide corrected information to every nationwide CRA that received the information if the information is inaccurate or incomplete. 
Company has failed to modify or deleting the disputed information, or permanently blocking the reporting of the information if the information is incomplete or inaccurate, or can not be verified. 
Total owed was XXXX due to XXXX.