davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (NV)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2021-08-20
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: First Federal Credit Control, Inc. (FL)

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECIEVED ANY INVESTIGATION RESULTS
Consumer complaint received 2022-08-21
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. (AL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00} XXXX XXXX  XXXX Balance Owed : {$7100.00} XXXX XXXX XXXX Balance Owed : {$6700.00}
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc. (CA)

I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Consumer complaint received 2021-07-08
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

In XX/XX/2022 a certified letter was sent to all three major credit reporting agencies advising as a result of my viewing my credit report, several erroneous information was found to include my name, addresses I never resided at and phone numbers that did not belong to me. I provided each with my correct information an asked that any other inaccurate information be removed or updated. I provided two forms of verifiable information with the correct date of birth, address as well as my phone number. XX/XX/2022 at approximate XXXX XXXX eastern standard time. I spoke with two Experian agents. They advised, there was nothing they could do for me that i will have to contact the reporting companies were reporting the wrong information. 
545a_fair-credit-reporting-act-0918.
Consumer complaint received 2021-08-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (GA)

Commonwealth Financial at XXXX XXXX XXXX XXXX, PA XXXX, has been sending me collection notices in the amount of {$650.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my consent nor signature.
Consumer complaint received 2022-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

In accordance with the Fair Credit Reporting act my rights are being violated.

15 U.S.C 1681 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 a consumer reporting agency can not furnish a account without my written instruction SEE ATTACHED
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

Each month since XXXX, I began paying monthly payments to XXXX XXXX XXXX for a car loan, Ive been hit with a remark by the company which affects my credit score by 89 points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.
Consumer complaint received 2021-07-08
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. (TN)

Each month since XXXX, I began paying monthly payments to XXXX XXXX XXXX for a car loan, Ive been hit with a remark by the company which affects my credit score by 89 points. XXXX XXXX shows that its because the balance was adjusted and increased. Anytime I call the company, I am told that they arent sure why its happening and that I just need to dispute the remark with the credit bureau. Although I have done that, it has now become a monthly hassle to have to deal with this and my credit is not catching a break. I pay on time and early and pay the full amount each month. My credit should not have to suffer because of a bad company. I cant help but think there is something shady going on and I am beginning to look further into legal action. Ill attach my payment history.
Consumer complaint received 2022-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

I was a victim of an online came. I had a person allegedly sell me a product that I paid a total of {$600.00} for ( including shipping ). I paid this person using the XXXX money sending service through my bank. I quickly realized that this was a scam ( they asked me to pay another {$1300.00} for shipping/delivery via a sketchy email ). When the person I paid refused to refund my {$600.00} and then blocked me. I reached out to my bank to file a dispute regarding the charges and I submitted to them all of the documentation that I have from the person I was buying from and the weird emails I received from the alleged shipping company. My bank denied my claim and said that when it comes to using a service like XXXX ( even though it is a service provided through their banking institution ) that they are not able to refund my money and told me I should be more careful with who I send money to in the future. I realize I made a mistake and I am embarrassed enough about it. I just want my money back.
Consumer complaint received 2021-07-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Foundation Title & Settlement Services, LLC (HI)

I have communicated with XXXX XXXXFoundation Title and Settlement Services multiple times now that they have facilitated and continue to cover for fraudulent Real Estate transactions. PLEASE VIEW ATTACHMENTS. The fact two different versions of title paperwork exist should be a red flag. XXXX mortgage and XXXX are investigating concurrently and have already provided conflicting information compared to Foundation Title and Settlement Services XXXX 

A home sale has occurred without my signatures being obtained. Their own records indicate that my name is on borrower contract and on conveyance documents but The company will NOT1. Provide home sale signatures of mine that would have allowed sale of the property. 2. The signatures/paperwork that STATES if and how XXXX XXXX became sole title holder. 3. The companys own 4th statement line agreed to the proceeds, means I was, in fact of law, an owner. So again, I ask for copies of ALL PAPERWORK mentioned. What this company did was show segmented portions of a complete transaction. They did NOT provide records of said transaction that is required by law or by The Real Estate Settlement Procedures Act ( Respa ) as they would have had to actually see any transfer of property signatures of mine.
Consumer complaint received 2021-07-08
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: EQUIFAX, INC. (NY)

Unauthorized use of my credit report. this company sent me a letter saying they would remove these accounts, but they are still reporting to my credit report.this is very misleading and deceptive to me the consumer Please remove these accounts from my credit report asap.
Consumer complaint received 2021-07-08
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: United Revenue Corporation (TX)

XXXX  is reporting all these account on my credit file and none has been validated. I sent letters for validations but never has XXXX  sent anything to me. This is unfair and I feel that my rights are being violated
Consumer complaint received 2021-07-08
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: JPMORGAN CHASE & CO. (CA)

I filled a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i hav not received any investigation results
Consumer complaint received 2021-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (FL)

Re : SunTrust I went to get gas today and my card was declined. I tried to login on the app and couldn't. I called the bank to see what was wrong as I knew I had plenty of funds. 
The rep stated that my account was frozen and it's under investigation. She also stated they were closing my account and she couldn't reverse it because SunTrust no longer wanted to continue a banking relationship. She could not give me a reason. 
I requested the call to be escalated. I spoke with XXXX who told me the same info. He also told me my childrens accounts were frozen as well. He stated I was flagged for suspicious activity. I explained that it was not possible. 

I use the accounts for paying bills and everyday expenses that bear no semblance to suspicious. I've had my account for over a year, I only have my SSI deposited into the account. I recently opened accounts for my minor children who are also on SSI and that's the only thing deposited in their accounts. I showed proof of everything when I opened their accounts as their representative payee. Mine and my son 's funds are direct deposited from SS and my daughter just received her checks to open an account so SS could direct deposit them as well. I still don't know where the issue is but that's my only guess. These are all United States Treasury checks. 

I have {$0.00} to survive on as they're holding everything. My children can't get their medical care, I can't pay my rent or bills and now I'm going to accrue late fees and this will ruin my credit due to be unable to pay. We can lose the roof over our head and SunTrust can only tell me I will get a letter within 30 days. 

The other issue is that I now have to contact SS for all 3 accounts and have payments stopped and go through the process of opening new accounts. That's a nightmare in itself. I would greatly appreciate any assistance or ad vice in resolving this matter. 

Thank you.
Consumer complaint received 2022-06-20
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. (NY)

Personal loan. Or installment account. Account close paid as agreed Personal loan XXXX XXXXXXXX XXXX. Updated XX/XX/XXXX XXXX close account PAID AS AGREED Updated XX/XX/XXXX. XXXX Updated XX/XX/XXXX Updated XX/XX/XXXXXXXX XXXX
Consumer complaint received 2021-10-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In 2017 I was the subject of identity theft. A credit card was opened with XXXX XXXX XXXX in my name with a false address and thousands of dollars were charged. I filed a police report, contacted XXXX, XXXX and XXXX and the matter was resolved and my credit report cleared. I placed credit freezes and fraud alerts with all of the credit reporting agencies at that time. Recently, I discovered that Transunion was still reporting the amount in default and that it was open for collection, which adversely affected my credit score. I filed a complaint online with Transunion on XX/XX/XXXX but received no response. I contacted Transunion on XX/XX/XXXX and was told that they received the dispute and I would hear shortly. I heard nothing and contacted them again today and to my shock I was told that they have a record that a dispute was filed but that the documents I submitted in support of the dispute were not received due to " technical issues '' and that they also could not process the dispute. I spent hours dealing with this and they told me to now submit it again, which I just did. This is outrageous and Transunion should be held accountable for failing to remove the derogatory comment on my credit report and for failing to properly handle the dispute. I have copies of the Chats with the Transunion reps from XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-07-08
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2022-08-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I ordered a copy of my report in Identity Id dated XX/XX/2022 and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, XXXX, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check and correct the payment history, date open, last activity and Status of these accounts listed below. I believe it was reporting in error in my file. 
XXXX XXXX Balance : {$93.00} XXXX  XXXX Balance : {$24.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/2022 I entered the XXXX XXXX Bank of America branch requested to withdrawal {$1500.00} from my checking account ending XXXX. XXXX XXXX there was nothing she could do for me Bank of America chose to close the account and a cashier 's check would be mailed. I advised her that I'm attempting to resolve this matter and have my funds disbursed me to via a teller at the branch. She again stated there is nothing she can do the account id closed.
Consumer complaint received 2021-07-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (OH)

This complaint was not resolved XXXX. First Federal Control did not send ALL the requested documentation that I request for validation. Merely sending copies of a statement is not validation. Anyone can make copies! FCDPA laws are being violated and this complaint was sent to Attorney General Office. The documentation that was asked for was not provided nor did the documentation get sent to CFPB. In my prior complaint number XXXX you will see ALL the documentation I requested was not sent! This is my last attempt to rectify these erroneous accounts that first federal control has not validated and have put on my XXXX credit report. I take my credit serious and this is ruining my credit score and credit to the extreme. I am a victim of identity theft and no consumer should have to endure such foolishness! While in dispute this better be removed IMMEDIATELY! Send ALL the documentation that was requested!
Consumer complaint received 2022-06-20
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

This company offers a line of credit called the flex loan. When I draw money, it says my monthly payment is for example, {$240.00} for that amount that I drew. At first, they charge only that amount. The next month they add on what they call it a customary fee, which takes my monthly payment from said amount of ( example : {$240.00} ) to now over {$1000.00} a month in monthly payment. How is this legal? This is robbery!!! The amount of this customary fee was never disclosed at the time of drawing and never disclosed in truth in lending.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

I had my wallet stolen on XX/XX/18 and the person went to several restaurants and a store and a gas station and spent over XXXX dollars. Chase originally refunded me and then almost a month later they charged my account back again. 

1XXXX XXXX XXXX XXXXXXXX {$100.00} 2.XXXXXXXX XXXX XXXX  {$200.00} 3.XXXX XXXX XXXX  {$48.00} 4.XXXX XXXX {$130.00} 5.XXXXXXXX XXXX XXXX {$80.00} 6.XXXXXXXX XXXX {$23.00} 7.XXXX XXXX {$13.00} 8.XXXX XXXX
Consumer complaint received 2021-07-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (CA)

I have twice made the request that Experian provide me with a description of how the reinvestigation was conducted along with the business name, address, and telephone number of the furnisher of information, of a particular account being reported on my credit report. 

Experian repeatedly ignores my inquiry and re-inserts the disputed account on my credit report without providing the required verification supporting records or statements.