davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by XXXX requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-03-19
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. (MO)

These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, XXXX and Transunion block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 ) XXXX XXXX , ( # 6 ) XXXX XXXX XXXX   {$920.00}
Consumer complaint received 2018-12-12
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety. 
The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.
Consumer complaint received 2022-09-26
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. (AL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us 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 XXXX. 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 n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX 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 n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2018-12-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

My ex husband left the apartment we were living in and sticking me with the only one paying the lease. We were 6 months into a 1 year lease. After he left i could no longer  afford to pay the lease so i worked out a deal with the rental company to get out of the lease. I left the apartment in great condition and had another person set to take over the lease after i moved out. However, I now have a collection company attempting to collect a XXXX dollars. There is no way that i owed that much even if i hadn't arranged everything. I've tried to call the company and also sent in things to the credit bureaus but nothing is working and they refuse to send me a breakdown of the bill.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX XXXX ( XXXX ) has antiquated web facing and payment tracking systems. Throughout the XXXX years I had my car loan with the company, I often made payments through the web interface before the due date, yet the company charged us late fees. Payments made through the site did not apply to my account as of the due date. 

Additionally, the company offered XXXX skip payments throughout the loan life cycle which in XXXX cases XXXX XXXX did not apply these which caused additional late fees and interest charges. 

With the errors in payment application, the loan has extended almost XXXX months past its original term of XX/XX/2021 and cost us about {$3000.00} in additional interest and late fee charges. I spoke with multiple managers and staff at XXXX XXXX to correct both my credit report and the late fee charges. The company did agree to remove a few XXXX dollars of late fees ; however, to date that has not happened nor have they corrected my inaccurate credit reporting to Experian. 

Although the loan has a small remaining balance, I would like two things : 1-Refund me the interest charges going back to the original term ( XX/XX/2021 ) and 2-Correct the credit reporting for the loan for all of the late payments.
Consumer complaint received 2021-12-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mercedes Benz Financial Services (DC)

Issue : Mercedes Benz Financial Services Title Release Dispute on XXXX yr. old XXXX XXXX  XXXX XXXX I am writing to request your assistance, and confirm my FCRA Rights, in re. to a now " XXXX '' campaign to secure a " Title/Lien Release '' for my " XXXX XXXX XXXX XXXX. 

XXXX had previously agreed to the release, accepted a {$20.00} release fee, and abruptly reversed the release based on an alledged " {$7000.00} '' refin balance from XXXX that I have consistently disputed, and XXXX has repeatedly " declined '' an " audit '' to allow cross reference of " cash payments, '' many made via a " 3rd Party Collection '' entities, XXXX. XXXX XXXX, and a now defunct XXXX XXXX and XXXX XXXX Bank XXXX XXXX many payments still yet unconfirmed. 

" XXXX has " acknowledged in writing that they have no interest in pursuing collection, '' yet, refuse to release the Title This matter is urgent in that the vehicle, can't be registered/tagged and has accumulated over {$2400.00} in DMV Parking tickets for expired registration/damage vehicle, and must be moved post-haste and sold as salvage. The current estimated value is now {$250.00} of which I have offered to pay XXXX for the Title Release. 

The vehicle was a " lemon, '' that over time amassed a staggering {$30000.00} in repair costs! There are other and more egregrious issues as well with XXXX that triggered costly and long-term damages : 1. FCRA Violation : MBFS : Action or Failure to Report " Original Loan '' of {$37000.00} to Credit Bureaus causing irreparable credit issues over a 10+ yr period. ALL PAYMENTS WERE ON TIME, BUT MOST WERE UNREPORTED forcing a much-damaged credit score, credit declines and XXXX. XXXX admitted the error, and only corrected it in XXXX- too late to remedy the reputational damage. 

2. FCRA Violation : Refinanced Balance : XXXX has " refused an audit '' for the past " 11 yrs. '' to confirm payments made in cash via XXXX XXXX and other XXXX party entities to resolve an alleged balance of {$7000.00}. They also " declined '' settlement thus balooning the balance despite repeated written and verbal attempts at resolution! 

XXXX. FCRA Violation : RE-AGED The Acct : XXXX repeatedly r '' e-aged '' the refinance amount beyond the allowable statute of limitations causing repeated and major damage to my credit worthiness! 

Your office is my last option for guidance! I welcome your immediate reply!! 

Sincerely,
Consumer complaint received 2022-01-25
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. (WA)

There are 2 accounts that don't belong to me and a Chapter XXXX listing that is wrong and 2 late payments that are wrong and some unauthorized inquires that don't belong on my file as well
Consumer complaint received 2021-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX at XXXXXXXX XXXX EST, I made a 14 minute and 34 second phone call to XXXX XXXX XXXX I negotiated a settlement of {$370.00} om my balance of {$690.00}. The representative said I could get a settlement paid letter that same day if I agreed to pay it off. I made the payment and then she said they can only mail it out regular mail. I was told it would settle my account in full but they are reporting that I dispute the debt, AFTER resolving it. I asked to speak with a manager and she addressed me as " dear '' which I find very inappropriate and i viewed it as harassment. I called the next day and the said they submitted the request for the letter and they could not tell me when I would get a letter bit assured me the account was resolved after completing the settlement. I still have no record of the settlement being completed and now they updated my CBR to something inaccurate, respectively to what actually happened, in violation of the FCRA. They violated UDAAP by saying the account would be resolved as a settlement in full when that is not what actually happened and as well as promising me a paid letter the same day which was not done. I would not have made the payment if the representative would have told me that.
Consumer complaint received 2020-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

Greetings. 

I sent a disputes letters to the credit bureaus sunch as XX/XX/XXXX Equifaax and XX/XX/XXXXbut they are not doing anything to solve my problem, I have inaccurate information on my credit report that is affecting my credit score, i want to resolve this as soon as posible.
Consumer complaint received 2022-09-26
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: Experian Information Solutions Inc. (AZ)

Today XX/XX/26 I got an email from XXXX  XXXX XXXX saying they were trying to confirm my email address. Shortly after I received an alert that an inquiry was made from XXXX  XXXX XXXX to check my credit. I have never, and have no plans to use XXXX  XXXX XXXX and have never contacted them. Someone is trying to setup an account with my information.
Consumer complaint received 2023-01-06
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)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

CFPB + Equifax, I am filing a complaint based on my XX/XX/2022 Equifax credit report - there are 7 items in which I am disputing. 

Attached to this complaint are : drivers license social security card mailing address my written complaint my credit report dated XX/XX/2022
Consumer complaint received 2022-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

XX/XX/2022 : Called EdFinancial to reimburse the payments I made during the freeze period and reinstate my loans. Was told that the process is initiated. No time frame for the completion is given. 

XX/XX/2022 : Called EdFinancial again to make sure that the process went through. Because the balance of the loans has not been updated. The company gives NO ways to check or confirm the processing of the request. There is no transparency about the process and the only way to find out is to call and potentially wait through a long waitlist. 

XX/XX/2022 : Almost two weeks later there is no changes in my balance. After personal research I found out that many others have a similar issue to mine and some people wait very long for the loans to be reinstated. Other companies fulfill this type of request within a week. Submitting a complaint.
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I was the victim of identity theft in XX/XX/2018. I placed 90 day fraud alerts at all three credit reporting agencies. I then attempted to place credit freezes at all three credit reporting agencies. With XXXX and XXXX  there was no problem and they allowed me to set the freeze and obtain a pin. With Experian after multiple attempts to do online freeze I have been unsuccessful. So I complied with request to send ALL of my personal data through the mail to them. That was 7 weeks ago and I have heard nothing from them. I have attempted to call them at all listed numbers but after going through their phone tree and giving my name, address, SS #, age, etc I am told they can not help me on the phone. I am not sure what to do or who to contact. I need this credit freeze placed but seem to be blocked from doing so by Experian. Their refusal to allow any contact with consumers seems quite abusive given that they have all of our information and huge control over our lives without our express consent. I am asking you to help me find a way to obtain the freeze with Experian. 
Thank you.
Consumer complaint received 2022-09-26
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. (TX)

Submitted dispute regarding Public Record XX/XX/2022. Provided letter from XXXX XXXX verifying information was deleted and submitted to bureau. Bureaus continues disregarding FCRA by verifying information properly and violating Privacy Act laws. 

Called company XXXX XX/XX/2022. Was informed by employee that bureau did not use the letter from XXXX XXXX because it was only 1 page and not all 12 pages. Employee also informed my I should contact Court of Record for information. I informed the employee bureau is responsible for validating information. 

Documentation mailed to Bureau XXXX XX/XX/2022.
Consumer complaint received 2022-09-26
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: PNC Bank N.A. (TX)

On XXXX an unauthorized charge for {$120.00} was placed on my account. I had already reported the card compromised after a {$1.00} charge had appeared days before. 

I awaited the replacement card and then closed the account. 

After this, I received a notice about this other charge. 

Both the charges cam from XXXX XXXX, where I have never visited. They were from an XXXX station. I remember receiving a charge more than a year before for {$150.00} from the same location, which was disputed as fraud. 

There are no email addresses by which I can get a documented response from this bank. I had originally open the account as BBVA Bank, and was told it was bought by PNC. 

I am getting no confirmation that I reported the fraud, nor that I closed the account. They refuse to send me a credit notice for any of this.
Consumer complaint received 2022-09-26
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)

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. Aslo, apologize. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : XXXX XXXX XXXX. Cc : XXXX XXXX XXXX Cc : XXXX XXXX. Cc : XXXX XXXX XXXX XXXX. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : XXXX and XXXX. Cc : Federal Trade Commission. Cc : XXXX XXXX XXXX
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

Experian has acct XXXX XXXX acct # XXXX as charged off. 

As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 

15 USC 1681 s-2 Says you XYZ company are a furnisher of information to a consumer reporting agency. 

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
Consumer complaint received 2022-09-26
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: Resurgent Capital Services L.P. (UT)

I was past due on my XXXXXXXX XXXX  account and called them on XX/XX/XXXX to set up a settlement. After being hung up on a few times I was told that they only do settlement calls on XXXX of month and call back then. Called back on XX/XX/XXXX and was told it had been sent to collections. In XXXX of XXXX I received a letter saying this had been sold to XXXX XXXX. I settled this debt with them XX/XX/XXXX for {$3000.00}. A couple of months ago I received a letter from LVNV Funding saying the debt had been sold to them. I notified them this had been sold and paid thru XXXX XXXX but never heard back. I filed a dispute with XXXX on XX/XX/XXXX and included the letter from XXXX XXXX saying that I had a XXXX balance. XXXX notified me on XX/XX/XXXX that the debt had been verified. I've only ever had one account with XXXX which is clear on my report and the XXXX XXXX email shows that it has been paid. I'd like the LVNV Funding removed from my report.
Consumer complaint received 2022-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail