davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have attempted numerous times over the past year to get incorrect information updated and corrected on my credit report to no avail. Everything is still incorrect. Now, I intend to lawyer up. Please send ANY RESPONSE OR MATERIAL TO ME THROUGH CFPB. DO NOT ATTEMPT TO COMMUNICATE BY ANY OTHER METHOD THAN THROUGH CFPB. SEND EVERYTHING TO THIS PORTAL AND I WILL REVIEW EVERYTHING THROUGH HERE. IF YOU COMMUNICATE WITH ME BY ANY OTHER MEANS IT WILL BE CONSIDERED A VIOLATION. TIA
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion will not conduct a required investigation regarding incomplete information appearing on my credit report ( XXXX  Account # XXXX ) On XX/XX/XXXX, I received a dispute results letter from Transunion XXXX dated XX/XX/XXXX. The letter states that XXXX investigation results are verified as accurate and updated, even though the last update was on XX/XX/XXXX as indicated on the attached report they sent with the investigation results letter. 

This means, Transunion did not investigate my dispute. They ignored my dispute and sent a results letter telling me that my dispute was verified as accurate. Omitted on this report was the notice of dispute notification and the date of my dispute. 

This account is now eligible for immediate deletion.
Consumer complaint received 2024-05-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: COLUMBIA BANKING SYSTEM, INC. (FL)

I want to file a formal complaint against Financial Pacific Leasing dba Umpqua Bank XXXX XXXX for UNFAIR AND DECEPTIVE PRACTICES in Violation of Section XXXX of the Federal Trade Commission Act. 

On XX/XX/2023, I was at a trade show at the XXXX XXXX XXXX in XXXX, Florida. I agreed to purchase a XXXX XXXX XXXX XXXX  XXXX from a company called XXXX XXXX XXXX which is headquartered in XXXX, Ohio. The purchase price agreed was {$22000.00}. The salesperson offered financing and had me complete their company credit application. The application was completed under my company XXXX XXXX XXXX  and me XXXX XXXX as the personal guarantor for the loan. 

XXXX XXXX then forwarded my credit application to Financial Pacific Leasing dba Umpqua Bank XXXX XXXX who approved it. The Equipment Finance Agreement on the bottom of the first page indicates this is a Finance Agreement! I called them and asked for the finance fees and disclosures and they said it wasnt a finance, it was an Agreement. I asked them if this had to be disclosed by law because they are saying one thing but the finance agreement indicates otherwise! I asked what the fees are again and they said read the agreement and would not elaborate further.

The Agreement indicates XXXX  monthly payments of {$440.00} and an admin fee of {$230.00} and no totals of any nature. The total of the monthly payments is {$26000.00} which indicates a {$4700.00} in fees for this loan. The agreement did not disclose any finance fees and when asked they will not disclose that to me. In signing onto their website, it does not indicate any fees or details of the Loan/Agreement. I requested a payment history and was emailed it which indicates I have made RENTAL Payments! 

Additionally, they are charging me {$120.00} a month ( {$7700.00} = XXXX  months ) for insurance because they did not except my company insurance. I was never given insurance cost prior to the loan and they did not deny my current business insurance prior to my loan which would indicate I would have to do their insurance. 

All together in undisclosed finance fees/charges and forcing me to go with their insurance, I am told to pay {$12000.00} over what I agreed upon.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AL)

I have reached out to LVNV on XX/XX/XXXX and again in XX/XX/XXXX, in reference to account # XXXX with a balance of {$720.00} and informed them that I have no debt with them or anyone they represent. I have asked them to send me correspondence with my wet ink signature or any documentation in reference to this claim. It has been over two years and I have yet to receive anything from this company.
Consumer complaint received 2022-02-07
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)

XXXX XXXX XXXX XXXX XXXX XXXX Fl, XXXX To Whom It May Concern I XXXX XXXX Have XXXX Hard Inquiries That are reporting on my Transunion report I Do not recognize these inquiries never made these inquiries I will like for them to be Removed from my Credit Report Thanks. 



HARD INQUIRIES XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2021 2021
Consumer complaint received 2017-01-23
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (VA)

I specialize in XXXX, XXXX, XXXX etc. I have a few clients that pay with electronics which in turn I sell as I get them on ebay. I have quite a few that came in over the holiday and Paypal decided to lock my account without warning. They stated that it was a high risk account and it was linked to another account that they have not released to me. I have reached out to them as of Sunday XX/XX/2017 @ XXXX with no resolved. My money is being withheld for 180 days. I attempted to reason with them and I got nothing. The call ended with a supervisor by the name of XXXX ( male ). He advised that I write a letter to their corporate office.
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

- NO RESPONSE TO DISPUTES - FAILURE TO INVESTIGATE - FAILURE TO PROVE OWNERSHIP I have contacted this company on XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past few months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2024-04-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (PA)

I deposited two checks into my account almost 60 days ago and I have confirmed with the maker of the check that the checks have been cashed and I can not be issued a new check. Chase has held my funds closed my account and cause me an eviction due to the fact the funds were going to be used to bury my son who just murdered in XXXX unfortunately I had to use everything I had to bury my child which caused me to be evicted from my house and chase will not help Me I keep getting the same standard message but they will not call any of the numbers I provided and for some strange reason chase can not contact the maker of the check through whatever database their using they are illegally holding my funds even after placing a hold on the funds the checks cleared and they still will not release the money which has cause my family a great hardship at this time and every time I call no one is willing to help me nor let me go In to the branch to get the checks verified which is insane I will continue to file complaint until something is done my son almost didnt have a proper home going service because of this and at this point it is just unfair I can not afford an attorney or I would have gotten one at this point what I cant understand is why wouldnt they allow their customers to go into the branch when this can handled and I get nothing accept we dont do that any more. I called the news just waiting for. Response and I am going to organize a protest to ensure they dont do this to any other families and I will not stop until my money is released
Consumer complaint received 2022-02-07
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (TX)

NMRC has used illegal and immoral practices to attempt to collect questionable debt from me. NMRC has called me multiple times, initially threatening legal action and misrepresenting themselves as a law firm handling my debt, also stating false lawsuits filed. There is no physical signature or agreement with the collection company. XXXX XXXX sold this over to them, agreement was not with said company, with no knowledge of the amounts given by this unknown company. Company has harassed family members, myself, and job. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to NMRC. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
Consumer complaint received 2015-04-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NJ)

American servicing company is the servicer for Wellsfargo. I 've been trying since XX/XX/2008 to get a home loan modification and I keep getting the merry go round treatment. For some reason, my paper work keeps getting lost, or THE time ran out to apply or I make to much money or too little money. What is more, ASC assigns me with a home loan preservation officer, who supposed to handled my loan modification application, who always like clock work gets moved to a different office and location allegedly, just before I 'm supposed to get a decision on whether or not I was approved for the modification loan. This routine is systematic act. And, the new Preservation officer allegedly never knows what went on before they take your case/application.
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I had identity theft. It was over XXXX worth on XXXX cards. From the XXXX data breech. I am in my XXXX and always had a perfect credit score. Over XXXX. Well. The creditor which was XXXX XXXX and XXXX XXXX both agreed it was fraud. Along with all XXXX credit beuras. ( Agreed it was fraud ). Well they dropped them off my credit report. So now my credit report shows perfect credit. Not my score. It is XXXX. I 'm trying to purchase a home. I ca n't with this score. The fraud was 100 % not my fault. So they need to change my score back to at least high XXXX. Thank you.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

i request a security freeze thru XXXX to suppress my personal info in which i received confirmation of the request, however the reporting agencies ex : experian, XXXX XXXX XXXX all stated that the information their reporting is coming from XXXX in which shows inaccurate on all 3credit bureaus.please have them stop reporting inaccurate information
Consumer complaint received 2022-01-07
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: Experian Information Solutions Inc. (FL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY (PA)

on XX/XX/XXXX I took out a loan for a mobile home ( XXXX XXXX XXXX. XXXX XXXX, NJ XXXX with XXXX XXXXXX/XX/XXXX of XXXX, ME. ( account # XXXX XXXX the loan was paid in full in XXXX. I do not have a Title or Lein Release. I am now trying to sell the mobile home but can not because I do not have a copy of the Title. NJ will not issue the Title with out a Lein Release Letter from XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX became XXXX sometime around XXXX and in XXXX became TD Bank. I contacted TD Bank back on XX/XX/XXXX to get a copy of the letter but they can not find any records of the loan I have been going back and forth with their archive department and will not send me a release. NJ Motor Vehicles recomended I contact NJ XX/XX/XXXX They informed me they do not regulate TD Bank and forwarded me to the OCC which opened Case # XXXX and are requesting additional info. It was also suggested a complaint with CFPB so here I am. 
I am stuck paying monthly Association fees & Utilities until I see my mobile Home which I can not do until I have a title, to date I have had to pay over {$3000.00} out of pocket. 

Please help or tell m how to resolve my issue, everybody sends in circles. The loan has been paid off for about 18 years, nobody claims I owe them money for the property but I can't seel it because I don't have a title. 

Thank You, XXXX XXXX
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (VA)

My complaint is with Wells Fargo. The account was opened while on XXXX XXXX. Wells Fargo stated on numerous occasions that my interest rate will change due to the Soldiers Civil Relief Act. They continued to charge my high interest. I even stated that under the Soldiers Civil Relief Act I was unable to keep up with the high interest payments. They then closed my account and it was sent to collections. After no reasoning with the company they reported an incorrect amount that I owed. I finally settled an amount with the company and the rest was reported on my taxes as earned income. They have continue learning to update information on my credit report. This account should have never went to collections. I have also paid the due amount, and I feel this account should be deleted from my credit report.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Credit reports are showing a negative credit card account for XXXX XXXX. # XXXX. 15 USC 1692g validation of debt. I do not recognize this account reporting on my credit report. I dont recognize the account number, the status of this credit card, the high balance or the late payments associated with it. Everything reported here does not meet the FCRA.
Consumer complaint received 2020-10-16
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. (PA)

I have disputed and complained to credit bureaus for quite some time the most recent being XXXX of this year of which you investigated. The credit bureaus have waged a war and apparently flagged my social security number. Consumer facing credit reporting agencies such as TransUnion, XXXX, XXXX  have presented a much higher score number to me than what the bank credit pulls have produced. In some cases the points reported have swung as much as 150 points lower on bank pulls. Recently I have been denied approval on several loan products and I'm also now being asked to present deposits for cell phones with cell carriers I've been associated with and have had good payment history. I have repeatedly asked for the credit bureaus to send me how they have investigated each negative account on my report and they have NEVER provided that information. In fact I have had accounts that have been paid off in the past and they report them as delinquent and past due. It's long past time to delete the negative information on my credit bureaus they have been given over 3 YEARS to do the right thing and they refuse but instead they wage a war against me social security number to keep me in credit prison. I'm determined now to do whatever it takes to restore my good name with the good credit deserved. The bureaus are failing to hold up their end of the deal and tarnishing my good name. Please update and delete this incorrect information at once. You sources and your information in vastly inaccurate and incorrect.
Consumer complaint received 2017-01-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

TRANSWORLD SYSTEMS INC placed a collection on my credit report. They did not contact me, and this debt does not belong to me. I 've never done business with or heard of this company.
Consumer complaint received 2015-11-24
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NJ)

navient is unwilling to help reduce loan payments to what is affordable for us. they are rude and just do n't care when you call them. when loan was still with XXXX XXXX the helped us with an interest reduction program so that the monthly payments were more affordable, but now that they are navient they WO N'T HELP IN ANYWAY! they told my daughter that because she owns a savings account she does n't qualify for help. my husband and i pay for these loans and have both retired and are on the " fixed income '' we CAN NOT AFFORD {$700.00} PER MONTH, IT WAS HARD ENOUGH AT {$550.00} PER MONTH. BUT THEY CAN NOT EVEN BE REASONED WITH.
Consumer complaint received 2017-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (IA)

afni, inc. sent a letter stating I owe money to XXXX XXXX and to pay to their company ( afni ). I contacted XXXX XXXX and my account has been closed for 2 years with no outstanding balance.
Consumer complaint received 2015-06-12
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (CA)

I have received over a XXXX of phone calls from Midland Credit Management. It 's a debt collection company and every time they call and I pick up, they automatically hang up on me. Then when I call the number and speak to a customer service representative they say my name is not on their list and that they 'll stop calling me. Unfortunately, they keep calling XXXX a day and say the same thing over and over every time I talk to them on the phone.
Consumer complaint received 2016-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland credit management placed false information on my credit report. I explained to them that they had wrong information. They still would not work with me. I found out that they have a class action lawsuit against them for these types of problems they are causing. I do n't know where they are getting the information but it is false.
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: PNC Bank N.A. (FL)

I had an overdrawn account with XXXX XXXX who left the account open and still overcharging me for hundreds of dollars for it. They called PNC Bank and told them not to give me a debit card which is catastrophic to me as I am going back to New York with {$5000.00} cash to live outside as I always did for 25 years facing XXXX at night as I was XXXX and XXXX at night in both XXXX XXXX as well as XXXX XXXX, my hometown as I was sleeping outside. I tried to sleep with my old father at the ATM in XXXX, just to survive when the wind chill was below zero and the police illegally XXXX me and my father in 1999 for XXXX XXXX. I still have a XXXX XXXX in XXXX County, but have to return there for survival. Now, since I have a criminal record I am being discriminated in both of the two banks PNC and XXXX XXXX who did this once before by keeping the account open make it impossible to get a debit card. It is dangerous for me to go to NY with {$5000.00} cash but I have no alternative to this and no bank will offer an immediate card for my traveling except XXXX XXXX in XXXX XXXX, NY but I am in XXXX hoping to go to XXXX so how will I do that as far as holding the money without a debit card where I pay for all my purchases.