davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
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. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( 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 did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC (CO)

Was in XXXX XXXX in XX/XX/XXXX with a car rental. Must have gotten a parking violation while I was there as I got an email from this Cedar Business Services XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX stating so. They sent the documentation from the City of XXXX and the dates match the time that I was there. My complaint is that XX/XX/XXXX is the first date that I received any notification of this violation which was from XXXX and not the City of XXXX. On the ticket itself it states that if paid within 5 days it would be XXXX euros which I missed as I was trying to get an explanation of the citation and dealing with XXXX. XXXX is claiming that I owe them {$470.00} and has been relentless in continuing to send emails telling me that it was going on my credit report and that since the ticket was from XXXX that US laws do not apply. I explained that this was my first notice but was told that I have no recourse to dispute. I even contacted an attorney who sent them a letter which they have ignored. The next deadline was 60 days and XXXX euros so I sent XXXX a check for {$160.00} figuring in the exchange rate on XX/XX/XXXX. Still getting emails and letters from them and now claiming that I never sent a check. Not disputing the ticket but I am disputing the time in which I was notified and the amount that is owed.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Hello I noticed yesterday afternoon that XXXX  credit card had placed my account as being over limit I had no idea because I was never notified and when I checked online today nothing showed up on theyre app showing any pending transaction or on statement on the app so I called and told representative I had no idea why it would be over credit limit that I had already made my payments are in time never late and never been over my limit she stated they had taken theyre fee out of the card of XXXX why would I not be informed I said she tried telling me that this is annual fee and that I was notified I repeated no I was not notified at all I asked if over credit limit was being reported to effect my credit score and that it is extremely wrong to not notify someone so this does not occur XXXX  yes already reported I would like this to be taken off my credit report this was not right to do this and then report it
Consumer complaint received 2019-03-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (CA)

I have been talking to this company on the phone regarding late payments, I have been corresponding with them every 2 weeks. I have even asked them if it was possible to lower my monthly payments which was promised to me from the actual dealership that i could get cheaper monthly payments after paying the car for 6 months ( which was supposed be a lease ), when we returned to the dealer to refinance they checked my credit 5 times and denied the option. They have threatened to repossess my car two times, and asked for a repo fee both times in order not to repossess my car, which amounted to about {$400.00}. I called the finance company trying to work with them and even spoke to a women ( who wouldn't give me her name ) who made a payment plan with me, she told me to make a payment of {$200.00} on XX/XX/2019, then after that we agreed I would make another payment of {$180.00} on XX/XX/2019, that was to be an automatic payment but i woke up to check my email and turns out they ended up taking out {$400.00}. When i called this morning XX/XX/2019 to ask why this was done the woman that i spoke to said that there was never a payment plan in place and that the agreement we made on XX/XX/2019, was never true. We try our best to make the payments we agreed to and after we make a payment they harass us by calling and demanding more money, They promise to help if we make the next payment and when we do they said they can't help. Also, my credit is being check frequently, without my knowledge, further lowering my score. My car cost XXXX, the interest is 23 %, after 2 years of payments ( over {$9000.00} ) we still owe {$13000.00}.
Consumer complaint received 2018-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Reported account 30 days past due when they agreed to change due date from XX/XX/XXXX to XX/XX/XXXX of month. Payment was not at any time past due.
Consumer complaint received 2020-01-22
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (MO)

In XX/XX/2018 I began home loan mortgage process with Quicken Loans DBA rocket mortgage which closed XX/XX/2018. I found out later on that my home and finances met the criteria for a USDA loan which the lender never offered and instead wrote the loan for an FHA. They also ran my credit report 3 times in an 8 month period w/out authorization of one. When I contacted them to request that the one be removed I was told " no they would not remove it ''.
Consumer complaint received 2019-03-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECK INTO CASH INC. (TX)

Send Company a validation of debt communication XX/XX/2019, certified. Did not receive validation of debt but did receive a communication XX/XX/2019 stating that 30 days was an insufficient amount time to properly investigate this dispute. Accordingly they would cease collection efforts, yet never delivered validation of debt continued to report to the 3 bureau 's and have yet to indicate consumers disputing of the debt. 
Numerous FDCPA violation
Consumer complaint received 2019-03-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC. (FL)

PLEASE HELP!!! 
Two money transfers between XXXX  XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX . 
2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX  XXXX XXXX XXXX XXXX XXXX . 
Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name. 
My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency. 
She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''. 
We called SunTrust and they told us " Initiate a research with XXXX  XXXX XXXX '', I started the Dispute charge back. 
After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''. 
We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds. 
That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''. 
We really appreciate the time and help you can provide. Thank you.
Consumer complaint received 2019-03-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nathan & Nathan, P.C. (GA)

This debt was given to Nathan and Nathan. I settled the debt in XXXX of 2018. Nathan and Nathan communicated with the original debtor ( XXXX XXXX ) the account was settled. XXXX XXXX has been still reporting to the credit bureau that I have an outstanding debt. They also have been reporting failure to pay even after receiving payment last year. I have been getting negative marks because it is showing I haven't been paying for months but the debt was settled and I don't owe anything. I've disputed twice and talked to them on the phone and still no results.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A. (NY)

Hello, I have multiple student loans, all private and I would like to address the issues one at a time. Two of my loans are through CITIBANK, now sold to XXXX. They total XXXX but I owe more than I started with. I have made all the monthly payments, as suggested by them, yet my principal is more than I have started. I have zero late fees. In fact, my total payments so far exceed the original principal amount. 

With total private loan amounts exceeding XXXX, I need all the help I can get. I researched CITIBANK and noticed there has been a lot of litigation about misleading information and essentially mistreating the borrower. In addition, I have not been able to report any of my loan information when filing for my taxes since it was not available. This was also mentioned in the law suits. 

Can you please help? 

XXXX
Consumer complaint received 2021-06-03
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. (TX)

Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (NY)

In the month of XXXX I checked my account on line and 2 unauthorized checks was cashed. I contacted Wells Fargo fraud department and report my check book stolen and filed a dispute for the amount of the 2 checks with Wells Fargo. Wells Fargo did a investigation and was unwilling to assist in helping the matter. stated me to contact whereto checks was cashed which was XXXX  XXXX XXXX. XXXX   XXXX XXXX instructed me to contact Wells Fargo because the money was insured with Wells Fargo and that is the bank that I'm with.
Consumer complaint received 2019-03-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cottonwood Financial Ltd. (TX)

Mailed validation of debt XX/XX/19 and no validation received, but only receiving a communication XX/XX/19 indicating the inability to properly investigate because 30 days wasn't a sufficient amount of time to validate alleged debt. 
Debt buyer, though no validation has been received of authority or contract of authority yet continues to report to the bureaus without updating that the account is in dispute. 
Multiple violations under FDCPA.
Consumer complaint received 2021-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX trying to collect XXXX excise tax on car i did not have in XXXX returned in XXXX they had to apply for an abatement only the owner can mass law well they finally did in XXXX after messing up my credit knowing they were applying for an abatement which they got PAID So p ; lease read my letter explaining the problem with them commiting FRAUD and reportig false info
Consumer complaint received 2019-03-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (CA)

I applied for the TD Bank XXXX Visa card, which awards XXXX XXXX miles after spending {$1000.00} in the first 90 days. I met this requirement. However, the miles did not post. 

I called in inquiring about this, and the customer service representative said that she could see them on her end, but they were not displaying on my end due to a computer issue, and the update would be fixed by the next morning. They were not. 

The next time I called, I was told they were not open on the weekend. 

The next time I called, I was put on hold, then transferred to a survey after which my call uatomatically ended. 

The next time I called, after waiting on hold for 20 minutes, I was transferred to the reservations department to make a reservation, despite that not being my issue. 

I am getting sick and tired of being on hold, and desperately need these miles to make a reservation.
Consumer complaint received 2021-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (NJ)

The company Dynamic Recovery Solutions added a {$330.00} debt to my credit report on XX/XX/2021 from XXXX i don't have any back up to where this came from, how they got my social and my information. never gotten phone calls or bills for this. i contacted the medical provider ( XXXX XXXX XXXX XXXX ) that " supposedly '' had sent this debt to collections and they told me i didn't owe them or that they didn't send anything to collection because my account was at XXXX and also that they do not deal with this collection agency. i tried to contact the collection agency at XXXX, their address XXXX XXXX XXXX XXXX  XXXX, sc XXXX i left a review on their company as well, they are very rude unprofessional and i was hung on up multiple times. i would also like to know how they got my social security because i never got phone calls, letter or anything regarding this company or bill. my next step is to go to the police department and file a police report because to me these people stole my information and are trying to pin a bill on me that DOES NOT BELONG TO ME.
Consumer complaint received 2024-02-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

The first credit report that I sent to the XXXX XXXX XXXX they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can't verify them than remove them.
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021
Consumer complaint received 2022-04-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$670.00} / XX/XX/2021 XXXX XXXX XXXX XXXX/ {$980.00} / XX/XX/2021
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (DC)

I most my job due to the pandemic. I called barclay and let them know immediately, I also told them i have a new job. Because of the small gap in employment ( had to wait for a security clearance ) and the next pay period, I was worried that my payment would be late. The representative told me she made a note of it and I would be penalized. 
I made my payments on time and when I went to pay this month the main page of the barclay site said I missed a payment. I checked my checking account used to pay bills and To my suprise the new job direct deposits were not when I was told they would be causing return of payment of XXXX. I spoke with a supervisor today named XXXX and he told me I was charged XXXX in fees and reported 60 days late because the payments was returned just before the XXXX when the card kicks into the new cycle date credit limit. The rep told me shed notate my account and I wouldnt be penalized for a late payment because I lost the first job due to the company sizing down from the pandemic. Please help Im afraid Ill lose my security clearance for the new job due to the negative credit ratings my new job is more than enough to crash things up and Im trying to catch up from when there was a break in employment. I plan to be able to make large payments in the next three weeks Ive never been late and this is truly hurting me
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Credence Resource Management, LLC (FL)

On this date from XX/XX/2021 a company by the name of Credence resource Management keep harassing me with phone calls every day early morning, debt amount of {$380.00}, the old company who bought the debt was XXXX XXXX XXXX  which deleted the debt of my credit report cause they had no supporting documentation, here it is this other company is trying to do the same thing to get money out of me CREDENCE RESOURCE MANAGEMENT which I think is unfair,
Consumer complaint received 2022-01-10
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. (NY)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Signed up for a new checking account with Bank of America with the promotion to earn {$300.00} after {$4000.00} in direct deposits posted to the account. The direct deposits posted several months ago and the bonus has not shown up in my account.
Consumer complaint received 2022-01-10
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: Experian Information Solutions Inc. (MD)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX XX/XX/XXXX {$65000.00}. Inquiries : XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-10-25
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC (ID)

I have been trying to resolve this for approx 1 year, I have missing pymnts that have not been applied to my acct. I have all my notes and dates and times when I have called them. I get NO WHERE.. put on hold and never get back to on many occasions. I have talked to research dept/ escalation's/ I have sent them bank stmnts and transmittals of the transmittals from XXXX XXXX  showing the pymnts and dates. Now I can not even make a paymnt to the acct for the past 2 months due to its on a hold with the issue. I need someone to get on this and get it resolved, this Loan service is a joke.. 

Please advice
Consumer complaint received 2022-01-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (CO)

Premiere Credit consistently calls more than 5 times a day. I have asked them to limit the calls until after business hours ( after XXXX hours ) and to limit the number of calls. Also, this collector has attempted to contact me at work and has been asked numerous times to not contact me at my place of employment. I understand that I owe a debt and have attempted to reach out to this organization using their online services but for some reason online services doesnt seem to communicate with the company.