davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have new and updated information regarding my Transunion consumer report. 

I have previously disputed alleged accounts for XXXX and Department of Education however, Transunion never completed the investigations. In Transunion previous responses to the CFPB, it said that XXXX needed more information from me which is false. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, XXXX nor the Department of Education can not verify that any information on my consumer report is factual information. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : 1. XXXX 2.Department of Education 3.XXXX XXXX 4.Foursight XXXX 5. XXXX XXXX XXXX
Consumer complaint received 2016-06-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I LEGALLY resumed my maiden last name on XX/XX/2014, since then I notified all my creditors to change my last name from XXXX to XXXX, I have the deed ' for my house changed, my vehicles, US passport, ALL documents and creditors have been changed including XXXX and XXXX. Well the issue is against Trans Union, they have told me over and over that they can not change my primary last name to XXXX because they claimed that my creditors are reporting me under the old last name. I have confronted ALL my creditors 3 times, and none of them are reporting me with the old last name. 
All I want is for Trans Union to report my legal name correctly, it is impossible to deal with them ... .How come XXXX and XXXX do not have the same issue? 
I find it illegal that Trans Union will not speak to me unless I give them my old last name. 
I need this rectify asap.
Consumer complaint received 2015-04-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (TX)

The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.
Consumer complaint received 2016-05-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Back in 2010 my house that I lived in with my mom and family was broken into when I was XXXX and our personal information was stolen. My mom filled a report with the police. Also my mom works with XXXX and they sent her a letter saying our information was breeched also with them. My mom and I was made aware that there are some debts on my credit report. My mom wrote into the reporting agencies and they wouldnt take it off. Also there are a lot of medical bills and accounts of debt on my report that I dont know where they came from. I still live at home and dont have bills of my own plus my mom still has me on her medical plan so I shouldnt have any medical bills. I am in college and my main focus is school. My mom and I have written the agencies and I included a copy of my ID and social but the always tells me to send in more proof of my Identity and they refuse to delete these items or the inquires associated with them. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity.
Consumer complaint received 2015-05-07
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: SYNCHRONY FINANCIAL (ID)

Made a payment to my Old Navy account run by Synchrony Bank accidently through bill pay in the amount of {$1600.00} XXXX XXXX. Still do n't have it back. 

XXXX XXXX, I accidently made a payment through my online bill pay system at XXXX XXXX XXXX Old Navy in the amount of {$1600.00}. I had a XXXX balance with them since the card has not been used for sometime. Shortly after realizing I was missing additional funds from my account from making a payment to them and my original mortgage company I called XXXX XXXX to stop payment on the bill pay. They said they would n't be unable to as Old Navy has received my funds and I would need to work with them on the refund. Called Old Navy they said they would issue a check back to us. After several more calls. They said my account was closed and the fund are on their " general ledger ''. They would need proof the funds came from myself. Spoke with supervisor team multiple times. ( XXXX, XXXX, XXXX, XXXX ) Was requested to fax my bank statements and a letter over which was completed ( XXXX ). They said this was not enough, they requested I go directly to my bank and have a manager write a letter proving I made the payment. This was completed and faxed over as well, it included all dates amounts and account numbers. ( XXXX ) Still no payment was refunded. After several calls they stated the payments was made XXXX which no one could confirm. They said that they could not issue the check to me but would send it back to the bill pay servicer my bank used to pay them which was XXXX. 

Was transferred multiple times to XXXX and my own XXXX. They both stated that they see no payment made from Synchrony Bank. They continually asked for payment confirmation. After several calls to Synchrony Bank and being told payment was made, I had to continually ask for confirmation which no one has been able to provide. On top of this they closed the account and every time I called they required I conference in my wife which works during these business hours. Trying to add me as an authorized user was useless because they said my account was closed, which we never requested it be closed. Needless to say I have spent hour upon hours trying to get my money back that they accepted on a now closed account. 

Old Navy/Synchrony Bankacct # XXXXCustomer service line : XXXXAddress : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ( XXXX ) Case # numbers : XXXX / XXXX # XXXXMerchant Service Phone # XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

While checking activity on my credit report with Trans Union I found that I had a collection on my account added 4 months ago. It is from a collection company called XXXX XXXX XXXX claiming I owe the XXXX XXXX XXXX, a payday loan company, {$720.00} from XXXX. 

1. I do not recognize this lender and question the legitimacy of this claim. If this was a debt from XXXX why am I just hearing about this or seeing it on my credit report in XXXX. 

2. XXXX is a payday loan company. It 's illegal for payday loan companies to lend money to residents of NJ due to our usury laws. 

" N.J.S.A. 2C:21-19 makes it a criminal offense to charge, take from, or receive, from any individual, interest at a rate exceeding 30 % per year. Further, N.J.S.A. 2C:21-19 renders it a criminal offense to charge, take from, or receive, from any corporation, limited liability company ( an " LLC '' ), or limited liability partnership ( an " LLP '' ), interest at a rate exceeding 50 % per year. 

In other words, in New Jersey, charging, taking from, or receiving, from any individual, interest of more than 30 % per year is criminal usury. So, too, in New Jersey, charging, taking from, or receiving, from any corporation, LLC, or LLP, interest of more than 50 % per year is criminal usury. 

Criminal usury is a crime of the second degree if the rate of interest on the loan is more than 50 % per year. N.J.S.A. 2C:21-19 ( a ). Criminal usury is a crime of the third degree if the interest rate on any loan made to any individual is more than 30 % per year but less than 50 % per year. Id. 2C:21-19 ( a ). '' Payday loans usually have rates well over usury. I do not have any information on this supposed loan but would love to see the original loan agreement because I sure XXXX group llc and now XXXX XXXX are committing a criminal offense collecting a loan with high interest rates. 
XXXX XXXX XXXX. When searching for information about XXXX XXXX XXXX I have found reports of law suits and even a motion that has shut XXXX down resulting from a law suit from the FTC. 
XXXX XXXX XXXX XXXX The court has deemed the practices of XXXX XXXX XXXX as schemes and predatory. How can XXXX now prey on people who had loans from XXXX, if these debts are even valid, if they where shut down? Who is XXXX? Are they somehow part of XXXX XXXX XXXX? 

I ask that the Consumer Financial Protection and the credit reporting agencies please review my dispute. There is something not right with XXXX XXXX XXXX and their claim that I owe them or XXXX money. Please help me remove this item from my credit report.
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I am writing to bring to your attention the presence of fraudulent accounts on my credit report, causing considerable distress. Upon reviewing my credit report, I discovered unauthorized accounts and transactions that I did not initiate or authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies pose a significant threat to my financial well-being and overall creditworthiness. I kindly request the immediate removal of these fraudulent entries to restore the accuracy and integrity of my credit profile.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX XXXX XXXX / {$0.00} XXXX XXXX XXXX / XXXX / {$21000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I would like to know how does the credit bureau maintain your credit score. I paid off several credit cards last month and I see that the accounts are showing paid in full on my report. However, my credit score is extremely low and I recently tried to refinance my car and was given a higher than usual interest rate, which should have been the reverse since I paid off the majority of my loans and credit cards. I need to know how do the bureaus keep reporting low credit scores when it 's obvious the debts are paid. I have no collections, no judgements and few inquiries. I once read that credit bureaus make more money when people have low credit scores. If this is such, then the whole fair credit reporting act should be thrown out the window when Credit Bureaus are allowed to report inaccurate scores.
Consumer complaint received 2015-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Systems,Inc. (CA)

National Credit Systems of XXXX Georgia at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX Oregon, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.
Consumer complaint received 2022-02-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AAS Debt Recovery, Inc. (MD)

This company continues to harass me by repeatedly calling and sending letters about a debt that is not mine. I have not accepted liability for this debt nor was I notified prior about this. I have asked them to stop but they refuse. Please help.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo bank authorized charges to my debit card that was stolen, amount was around ) XXXX dollars total on about 8 transactions plus overdraft fees I disputed charges and the bank decided claim was denied so I want to file a Appeal and that was also denied and was told they are not appealing charges and that is a final decision but could not provide me with a specific reason as to why this claim was denied other than my spending habits and resent transactions that how they made there descision
Consumer complaint received 2024-05-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have tried numerous attemps to communicate with said companies with providing my Negotiable Instruments. Some of these Companies simply keep my Instrument and tell me they can not accept it. According to UCC 3-603 and UCC 3-311 and XXXX  XXXX  is sufficient to satify any Obligation of the United States. These Companies stay in Violation of those Rules of the UCC with all Commerce is Governed by. Any Company or Institution that refuses these Instruments according to the UCC is Pursuant for DIscharge regardless they Honor the Instrument or not. Thats the Law and the Rule of the Land. Everything is credit We are in Bankruptcy so you cant expect real monies ( Gold and Silver ) is the only Lawful Money and all Obligations are for the United States and go to the United States Treasury.
Consumer complaint received 2022-02-08
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. (TX)

XXXX XXXX XXXX XXXX stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD
Consumer complaint received 2022-02-08
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. (TX)

XXXX XXXXXXXX XXXX XXXX  stated that I had auto loans with them and a credit card, pulled my credit and sure enough there they were. I was informed to attach my Sheriffs Report to this complaint and the Credit Reporting Agencies will removed the Fraudulent Accounts listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - CREDIT CARD
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (FL)

I opened a dispute with Wells Fargo bank around XX/XX/year> for unauthorized transactions on my debit card which was lost, the dispute agent said I would be receiving a final credit within 2 business days after the items posted to account, its been over 5 months now and no credit and I have the transcripts, correspondence emails of the bank confirming the call and the credits were promised to me by the agent but they refuse to apply it to my account to this day. Claim numbers- XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX
Consumer complaint received 2022-02-08
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: Carvana Group, LLC (PA)

I was trying to purchase a vehicle from Carvana and they specifically told me it wouldnt be hard pull to my credit and didnt go all the way through with purchase I was told it will be a soft pull to my credit and I go check my credit score after the call was ended and noticed I had a high Risk to lenders for car loans and a hard inquiry on my credit account for 24 months which I dont thank is fair because I wasnt told about this step of credit pull when we were on the phone I feel like I got pressured into buying a car without to much detail on the process I also never even finished the application for the car so I reached out to Carvana and they said I need to file a dispute I also reached out to my credit bureau and they said I need to file with Carvana to have inquiry off my statement.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Creditor XXXX. I never have XXXX as servicer, always have XXXX for several years. Never lived in XXXX, Florida. Never received any statement from XXXX just found through credit report that it 's for collection already. Hoping for your immediate follow up regarding this matter.
Consumer complaint received 2015-09-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: URS Holding, LLC (IL)

XXXX ON MY CREDIT REPORT WITHOUT VALIDATION IN VIOLATION OF FCRA, CALLS IN VIOLATION TCPA also, my mother XXXX XXXX XXXX had the same problem, ss # XXXX
Consumer complaint received 2016-01-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Financial Asset Management, Inc. (UT)

Check City sold data to XXXX who contacted me XXXX/XXXX/XXXX to try to collect the debt. 
Bankruptcy was filed in XXXX, discharged in XXXX.
Consumer complaint received 2022-02-08
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. (VA)

XX/XX/XXXX I submitted a complaint on XX/XX/XXXX ( # XXXX ) and a follow up on XX/XX/XXXX ( XXXX for TransUnion dealing with a bankruptcy that is on my credit report and they did an interim reply on XX/XX/XXXX. Nothing since. I gave all the paperwork to show where they keep saying they are getting it from is untrue. I have given every company that I know they are going to try to lie and say they used. They told you all that I can contact them on XX/XX/XXXX and they have ignored me. It has been over 2 months since I put this claim in and they still ignoring me. This is something that they are not investigating and still coming back as its mine. This needs to be taken off now. I have been waiting since XX/XX/XXXX which is over 6 months so this needs to be taken off immediately. This is really preventing me from getting a home because it is weighing my credit score down. The other bureaus don't have anything like this. I know that the bureaus have not been taking care of the customers that they are serving per the news.
Consumer complaint received 2016-08-16
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Opened account last week. Told me to come back the next day and I can cash heck. Went next day there closed. Nice. So I waited then just deposited it. One week last. We have a paper fee monthly fee, and some early fee. And hold on act. Ok. So I decides to close it and go to different bank. O a fee for closing account. So I will b lucky to get maybe a couple XXXX if I 'm lucky ... m
Consumer complaint received 2015-03-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

My student loans ( XXXX ) have recently been transferred from XXXX XXXX to Navient. In reviewing the balances and the amounts paid each month, it appears that both XXXX XXXX and Navient have a practice of applying additional principal paid to the current months payment to the following months payment and not the principal of the loan. They reduce the amount due on the next months billing to allow the borrower to remain in debt for as long as they possibly can. I find this practice to be predatory and fraudulent. Something needs to be addressed about the practices of these lending institutions which force students to remain in debt for as long as they can possibly keep us there.
Consumer complaint received 2022-02-08
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: LEXISNEXIS (AR)

On XX/XX/XXXX. XXXX LexisNexis sent me an documented letter stating that they had removed the bankruptcy from my consumer report. Then I received a letter XX/XX/XXXX stating that LexisNexis has verified the Bankruptcy as accurate and to contact the court. Which I have and in the attachments you will be able to view. My Drivers License, my Social Security Card and the letters from LexisNexis and the Courts. They are illegally keeping a negative item on my credit. Which is hurting my ability to by a home or obtain credit
Consumer complaint received 2016-09-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BROKER SOLUTIONS, INC. (CA)

On XX/XX/XXXX I had a broken pipe and my home was damage, XXXX XXXX. step in and did and evaluation and immediately start initial work. As soon as they finish the constructor completed the reconstruction and I paid them meanwhile XXXX send the check. 
When XXXX send me the check, I have to endorsed to Newamerican for them to evaluate the damages en return me the money I already spend. New American send an inspector and at this time is giving me a hard time to collect that money.