davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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. (VA)

In accordance with the Fair Credit Reporting Act XXXX Collections account # ( s ) : XXXX, XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States that a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-04
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. (FL)

I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

EQUIFAX is violating my consumer rights under 15 U.S. Code Chapter 41-CONSUMER CREDIT PROTECTION, SUBCHAPTER IIICREDIT REPORTING AGENCIES. 

I have also submitted an affidavit of fact and a demand of removal from my consumer report. I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution. I am holding the consumer reporting agency - EQUIFAX is civilly liable for their gross negligence. Attached are the Demand of Removal Letter and signed affidavit of fact that includes the FCRA violations and resolution.
Consumer complaint received 2017-04-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: First Associates Loan Servicing LLC (VA)

While enrolled at  XXXX   XXXX  it was my understanding that I only had subsidized and unsubsidized loan. When applying for a house last year it was brought to my attention that I had a private loan through FA-PEAKS showing on my credit report. This was news to me as I was unaware of any private loans for my schooling. I contacted FA-PEAKS and the were very unreasonable with their request as far as a repayment plan. The total loan amount was for {$9700.00} but they wanted at least {$4500.00} to even start a repayment plan. This seemed very fraudulent to me the more I spoke with the representative and the more I researched the company.
Consumer complaint received 2021-09-09
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. (GA)

XXXX ran a credit check on my ssn in XX/XX/2020 when the account I had with them was a business loan using my EIN and it had already been sent to an attorney for collections.
Consumer complaint received 2019-10-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (FL)

My mortgage originated with XXXX XXXX on XX/XX/19- amount {$4300.00}. My first payment was due XX/XX/19- I made a payment of {$500.00} + the obligatory interest of {$18.00}. Within days the mortgage was sold to XXXX XXXX whose servicing company is XXXX. Because of the time period during the transition, my {$500.00} payment has never been recorded, nor has the interest I paid. I have scheduled my 3rd payment to be made at the end of this month and the balance still has not been corrected to even reflect the 2nd payment. I have submitted copies of my checking account and and the payment schedule from XXXX XXXX to no avail. No one gets back to me and this has been going on for 2 months. I need someone to intercede on my behalf.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (AR)

I have tried on several different occasions to get this debt validated and nothing from this company I have for this account to be removed from my account because this company want send validation but they want remove it from my credit report so they need to do either or validate or remove it from my credit report
Consumer complaint received 2021-09-09
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. (GA)

I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX.
Consumer complaint received 2017-04-20
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

I endured multiple issues  with USAA over the p ast year that, in my opinion, appear to demonstrate a pattern of very concerning behavior. In  XXXX , the bank sent an unauthorized payment from my checking account to a recipient I deleted   from my account. After months of awaiting resolution, USAA told me that they would not take any action. I decided at this point that I would remove all of my business from USAA and the representative told me " good luck ''.
I then worked to close my credit card with USAA. After being transferred a dozen times to various representatives, the    bank eventually agreed to close my credit card and confirmed that they would no longer use it for their internal automatic payments. Needless to say, they billed it anyway and then told me they could not close it. This took another series of steps to close the account. It still appears open on my login screen with an expiration date of   XX/2017 . USAA al so signed me up for all of their credit card marketing and told me that I had to call a specific person to opt out.   I attempted to close m y USAA Savings acc ount today. There is no online option, so I went to the chat service. Afte r 10  minutes, they told me I could only close by calling in. I called in and the first representative said aft er 10 mi nutes that she could not close the account and that I would need to call back. I asked to speak to someone else. They transferred me and another representative said she could not close my account, but might be able to tomorrow. I asked for a supervisor. She then told me that she could close my account tomorrow, if I called back. I asked her to just close it, and she told me she would not.     For additional historical issues with the bank, I had two instances where errors from USAA mortgage services caused financial loss to me that I had to work to recoup. The first, I caught during the mortgage process and spent hours reconciling. The second was caught by an audit and resulted in payment sent to me years later.
At this point, I can no longer assume positive intent with the USAA team. I feel abused and they are attempting to force me to keep accounts open with them as I close them. I would like to file a complaint accordingly. I seek to have my savings account closed, my credit card confirmed closed, and whatever your team deems appropriate regarding my other experiences. Thank you in advance for your assistance.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Prior CFBP and XXXX mortgage situation complaints from XXXX forward for my previously owned address : XXXXXXXX XXXX XXXX  XXXX, SC XXXX bear on this situation. I have had an ID fraud Equifax information breach and an inaccurate loan for XXXX came back on my report as an active mortgage loan for the above address. This loan is also inaccurately reflecting on Experian. My home at the above address was removed from XXXX XXXX XXXX ( bank dropped the house ) and XXXX attempted and illegal active service VA loan to restore the house. I did not accept or pay on this loan to the house. New loans were sought and could not be acquired for SS # ID fraud going on at the time. XXXX XXXX XXXX sold the property to new ownership and the new owners evicted me from the property in XXXX. See the attached documentation. This loan is not viable and a fraud attempt to regain a mortgage I do not own.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PENTAGON FEDERAL CREDIT UNION (WI)

This is a credit card that I use monthly, but I also took out a cash advance in XXXX. Since XX/XX/XXXX, I have been paying the credit card balance in full each month ( statements attached to show this ), but they are still charging me interest on the cash advance. I tried talking to their customer service, but they could not explain to me how I was paying the balance in full each month sinceXX/XX/XXXX, but still being charged interest. There is no extra " balance '' showing up on page 1 of the statement, and I am not sure how I am supposed to pay more than the balance due each month, or how I am supposed to get rid of this supposed cash advance balance that seems to somehow be hanging out there each month and accruing interest. I have attached all statements sinceXX/XX/XXXX that show I have paid the balance due on page one of each statement in full each month, but also on page one it shows I am being charged interest - which is reflected then on page 3 of each statement as an interest charge for a cash advance balance ( but there is no where on the statement where this is reflected  in my balance owing on the statement, and therefore no way for me to pay it off ).
Consumer complaint received 2021-09-09
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)

I reach out to you all back in XXXX about me seeing accounts on my credit that I know nothing about. These folks are reaching out and sending letters and threantening me and I told them those are not my accounts. Can you please help me Im doing this on my own and need your help. A few of the accounts I mentioned back in XXXX did come off but there are still some on there XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I went into my local branch at XXXX XXXX XXXX to have someone help me setup automatic payments on one of my credit cards. I was told automatic payment were successfully setup. Not once was an automatic payment taken out. This resulted in a 30 day late on my credit report. 

I do not believe that the 30 day late is accurate since I made effort on my behalf to make sure this was setup properly.
Consumer complaint received 2024-02-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out to XXXX XXXX XXXX about a debt that they are reporting on my credit profile without my consent. I have never had an account with these company and I have notified them of the dispute of the fraudulent account and told them they was in violation of my rights by sending me collections letters to my home and reporting the fraudulent account to my profile without my consent and any validation of the accounts. I also notified them and let them know i was a victim of identity theft and also was a victim in the XXXX data breach and I provided them with my data breach engagement number as well and that this account is not mine. 15 US 1681 b permissable purpose of consumer reports ( a ) in general subject subsection ( c ) 2 any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it may relates I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a protected consumer. 
As a consumer I am demanding the deletion of the account IMMEDIATELY. 

15 US 1681 c ( 2 ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that a consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Diversified Consultants, Inc. (NY)

My account was closed onXX/XX/XXXX. On XX/XX/XXXX my girlfriend attempted to open a XXXX XXXX XXXX account and the rep stated that she had to pay a past due amount owed by me at our address because of a roommate policy. 

So she paid the past due amount of approx. {$190.00} owed by me on XX/XX/XXXX. Thus satisfying my debt. 

I then noticed in subsequent months that my credit report reflected this balance that I had with XXXX XXXX XXXX was not resolved. I have made several attempts to resolve this with both the XXXX XXXX XXXX XXXX and their Debt Collection Company Diversified Consultants. 

One of my calls was on XX/XX/XXXX I did not receive any resolution at that time. I placed another call was on XX/XX/XXXX at which time I was given a ticket number and told that in 5 business days it would be resolved and that I would receive a confirmation letter in the mail. I did not receive any letter about this nor any resolution. There was a 3rd call that I also placed which I was also given yet another ticket number and no resolution. 

Today I have called for the 4th time almost 2 years from the start and they simply generated another ticket number to string me along the same process yet again. 

They have damaged my credit for the past 2 years making it difficult for me to obtain credit from lenders, by continuously reporting an account in collections that is still outstanding at {$190.00} under the name Diversified Consultants. 

I have been sent back and forth between XXXX XXXX and Diversified Consultants who both say they do n't have the account and point to each other for me to get answers.
Consumer complaint received 2018-01-24
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: JPMORGAN CHASE & CO. (IN)

I filed a dispute with the credit bureau and the company asking them to validate the account and any information they have proving it belongs to me and they have not done so and it 's been over 30 days.
Consumer complaint received 2018-01-24
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (FL)

Received early am call from a " XXXX XXXX '' with Atlantic Recovery, proceeded go inform him that u did n't have time for this call at the time and hung up, immediately received another call and a lengthy voice mail, afterwards this guy call my brother trying to get in contact with me, informed my brother that he had information about other family members he would contact to get to me. No information as to who his " client '' was provided.
Consumer complaint received 2018-01-24
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: EQUIFAX, INC. (KS)

Inquiry # 1 : XXXX Inquiry from XX/XX/XXXX - I moved into a new apartment but I specifically told them not to do a hard inquiry on my account as I instead paid a deposit and gave automatic payment banking information which they said would be enough to avoid receiving an inquiry.

Inquiry # 2 XXXX Inquiry from XX/XX/XXXX - I do not recognize this and I was not doing any kind of activities at the time to warrant a hard inquiry.

Inquiry # 3 XXXX Inquiry from XX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 4 XXXX Inquiry from XX/XX/XXXX- I did not give any authorization for this inquiry and do not recognize it.

Inquiry # 5 XXXX  Inquiry fromXX/XX/XXXX - I did not give any authorization for this inquiry and do not recognize it.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Big Picture Loans, LLC (KY)

Received a collection call from XXXX XXXX XXXX   that I didnt receive for over {$1200.00}. 
I applied for the loan but didnt receive it. Now I think they will try to take it from my checking account. They are listed on XXXX
Consumer complaint received 2018-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (OK)

XXXX XXXX card reported stolen end XXXX, beginning of XXXX. I continued to be billed for purchases and interest. Notifed 3x in XXXX, employee stated he was the one who handled original call and would be mailing out a fraud form that must be completed. I never received form. I called two weeks later and spoke with XXXX, who stated the problem had been fixed and the form with be received in 10 days, I then spoke with XXXX again on XX/XX/XXXX and his supervisor XXXX who promised the issue would be RESOLVED. Nothing has been mailed nor resolved, and I continue to be charged interest since XXXX. 

Card issuer has been contacted at least 5x since XX/XX/XXXX in an attempt to resolve this issue. 

I have also reached out to XXXX corporate headquarters with no response. 

I greatly appreciate your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX issuer XXXX First National Bank of XXXX
Consumer complaint received 2018-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Williams & Fudge, Inc (VA)

All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.
Consumer complaint received 2022-01-06
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: JPMORGAN CHASE & CO. (NC)

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 
By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Consumer complaint received 2021-09-09
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. (CA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2017-04-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Bureau of America Ltd. (CA)

Over the last year I have contacted  Collection Bureau of America three different times via US  Mail informing them that this debt was not mine and was a result of my identity theft. I provided them with copies of the police report number and FTC Identity Theft Report number.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

On my Equifax credit report it is showing two collection accounts. I have made them aware on two different occasions that the contract was cancelled for these two collection accounts. They state that the accounts belong to me, but when asked they were not able to produce a contract that shows I 'm responsible for those payments.