davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

TransUnion continues to violate me and break the law in accordance with the FCRA. I have filed multiple complaints already on this matter. There are two ( 2 ) hard inquiries on my credit report and file that I did not give TransUnion written consent to furnish, violating 15 USC 1681b ( a ) ( 2 ). I sent an Affidavit of Truth to TransUnion on XX/XX/2021 stating this ( attached ). TransUnion first responded stating they were unable to process my request. They responded to my last CFPB complaint stating they sent their response via mail ( attached ). It is weeks later, way past 7 days, and I have not received any letter. Regardless, TransUnion 's responses are not an acceptable responses to an Affidavit of Truth. Under the laws of Commerce, an un-rebutted Affidavit Stands as Truth. I write this 3rd complaint in hopes that the CFPB will hold TransUnion accountable for violating my rights as a federally protected consumer under 15 USC XXXX XXXX.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TN)

I got scammed by XXXX XXXX XXXX, they used the co-signer scam on me and took advantage of my naive position as an immigrant that doesn't know anything about how things work and the fact that I had good credit and they just wanted to sell a car no matter what. They made the co-signer scam by telling the person I was just accompanying that he didn't qualify on his own for financing and said that since I had a relationship with him they suggested me to co-sign for him, they lied to me assuring me that In was only signing as a reference to help him be able to get a loan and have the car with better interest and better price. But this is of course FALSE!, this was repeated by another finance manager when I tried to XXXX the car, she said they ( XXXX XXXX ) couldn't get to me for money because he was the principal not me, it was until months after that I realized of the scam and lies, when the lender ( XXXX XXXX ) called me to explain I was equally responsible for paying the debt. The debt on the loan is now {$22000.00} with {$2200.00} in late payments. 

I accompanied my boyfriend and roommate at the time XXXX XXXX XXXX, to buy a car at XXXX XXXX XXXX. I just went with him as a company but when he applied the finance manager told him that he didn't qualify and that he needed a co-signer, they asked about what was our relationship and proceeded to tell me I could co-sign for him and that I was only signing as a reference to help, no one explained to me what co-signing meant and I am an immigrant and I do not know anything about that. No body told me I was going to be responsible for paying if we didn't and that I had to rights to the car. Once I realized XXXX XXXX XXXX was a con artist I tried to take the car back to the dealership, only to be told by XXXX XXXX another financial manager at that dealership that they could not come to me for money because he was the principal and I now know that is not true, she lied to me. I lend him the down payment money which he paid in full to gain my trust, he said he would pay the car once he got the inheritance money from his mother 's death and that was all a lie.
Consumer complaint received 2021-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Santander Consumer USA Holdings Inc. (AL)

My car was totaled in an accident in XXXX. My car was financed through a company called Santander Consumer USA. The insurance company paid Santander but the remaining balance was never written off. I called Santander several times over serveral years inquiring about the balance remaining on my account and was told that it would be and should have been written off after receiving the insurance payment. The account was charged off instead because of the age of the account. I checked my credit report and found out that someone from Santander is sending charge offs for this account every month. There were 62 charge offs and 63 charge offs the last time I checked my credit report. I only had one account with this company and there are now 63 charge offs for this one account. I am being harassed by this company. The credit bureaus show this account as closed with a balance of {$8500.00}.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

CapitalOne Platinum denied a credit limit increase as stated after 6 - 12 months of payments. The company has repeatedly denied me a credit limit increase based upon false pretenses.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc. (MI)

On or about XX/XX/XXXX United Collection Bureau , IncXXXX erroneously withdrew {$5900.00} from my XXXX XXXX account ending XXXX. The debt that they are attempting to collect is associated with an identity theft problem that I encountered in XXXX. I have filed a police report and notified the Department of Revenue about this matter. Police report was filed in XXXX County MI report # XXXX. United Collection Bureau , Inc. never formally notified me that they were attempting to collect a debt. This debt is 10 years old from XXXX. On XX/XX/XXXX I reached out to XXXX XXXX at United Collection Bureau , Inc . He refused to help me with this matter.
Consumer complaint received 2022-09-21
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. (NJ)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Chapter XXXX Bankruptcy Case Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2022-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (NY)

Someone has used my personal information to open a Discover credit card in XXXX. I became aware from an email that i received recently from Discover telling me i am getting a XXXX XXXX card. I new i had not applied for that card. Then i found out from Discover a credit card was opened too. It pays to check your credit report here and there. You learn the hard way. To their credit they closed these accounts immediately. I have filed fraud and security alerts with all the credit bureaus.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc. (CA)

Contacted Experian XX/XX/XXXX and XX/XX/XXXX of this year because of inquiries that were placed on my credit report. 
These were unsolicited items. They items were credit offers that I did not solicit these offers since I current have 9 credit cards with only two having balances. They were added on the report XX/XX/XXXX and XXXX respectfully and XX/XX/XXXX all this year. 

I have no accounts associated with these inquiries as well being reported by Experian on my credit report. 

The following inquiry was to bet a soft inquiry for membership with a credit union XX/XX/2020. The address is actually incorrect as well. Should be XXXX XXXX XXXX XXXX. XXXX, Ca XXXX. Which not only a hard inquiry when it should be a soft inquiry but the reporting of the address is inaccurate which is a violation of the FCRA.
Consumer complaint received 2020-12-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (DC)

XX/XX/XXXX PHH/OCWEN XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX Washington, DC XXXX To Whom It May Concern, I would like for this letter and documentation to go on record. On XX/XX/XXXX XXXX EST I spoke to a representative of PHH/OCWEN by the name of XXXX and he instructed to submit a letter stating my only source of employment is with XXXX  and no other entities, which I have attached. 

As my conversation continued with XXXX, he stated to me he was instructed along with his other colleagues to cease and decease contacting me requesting documents for my modification application. XXXX, stated to me I have to contact PHH/OCWEN and inquire what documents are needed in order to move forward with my modification request. This does not make sense to me since I am the consumer and they are the processors. How would I know what documents are needed if they dont initiate the request? 

I have attached a letter of explanation stating I am only employed by the XXXX  XXXX  XXXX  as a XXXX XXXX. On XX/XX/XXXX I emailed my XXXX Income Tax document along with my last two pay stubs from XXXX  and the application for Mortgage Assistance for re-modification. 

On XX/XX/XXXX, I applied for a refinance loan instead of a modification. I paid for an appraisal, submitted several documents to the refinance department under XXXX XXXX, three months went by and no one told me that my forbearance had to be brought current before I can apply for refinance. I submitted several emails to XXXX XXXX, wrote several complaints to CFBP, and Federal Trade Commission to get someones attention. After several complaints from me I received a response from XXXX XXXX, Manager of the Refinance Underwriting Department who explained to me she would have to close my refinance application file because my forbearance was not brought current. For the past 14 years I had my loan with OCWEN/PHH mortgage and it has been nothing but chaos and unethical practices with their unreasonable timelines and threats of foreclosure. 

I have forward a copy of this letter to the listed below. This is not first encounter with OCWEN/PHH Mortgage as the company continues to undermine their customers During the forbearance process OCWEN/PHH repeatedly request the same documents, therefore dragging out the process until stated deadlines have passed and disqualifies me for possible mortgage assistance. 

XXXX XXXX XXXX Cc Department of Housing Fair Act US Department of Housing and Urban Development District of Office of Attorney General XXXX XXXX Consumer Financial Protection Bureau
Consumer complaint received 2021-03-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (WI)

XXXX is reporting to all three credit bureaus that I owe a bill I asked for verification of this bill they say that they have it if this company has my hospital records that is in violation of HIPPA Act hospitals cant give my full ssn or medical records to third parties such as collections if they dont have my medical records then they are violating my FCRA for not having fully verified information either way you look at it my rights are being violated by this company I have multiple XXXX bills on my reports I am asking for full removal of all XXXX collections from my credit report
Consumer complaint received 2022-02-10
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. (MI)

Hi I am submitting this XXXX XXXX without 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 XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2021-03-29
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. (TX)

Company continues report inaccurate information on my report as well as use stall tactics, This company have requested identification information on 3 separate occassions and I have complied with each request and yet they ask for the same info again.
Consumer complaint received 2020-04-11
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. (FL)

THIS IS A COMPLAINT AGAINST EXPERIAN, TODAY XX/XX/2020, I RECEIVED THE RESULTS OF MY DISPUTE MADE ON XX/XX/2020 VIA EMAIL, IN MY PREVIOUS DISPUTE I AM REQUESTING TO VERIFY ALL THE DOCUMENTS AND COPIES THAT CERTIFY THAT THIS ACCOUNT IS MINE AND THE COPY OF ALL DOCUMENTS WILL BE SENT TO MY ADDRESS. I KEEP INSISTING THAT THIS ACCOUNT IS A MISTAKE, THE RESULTS OBTAINED FROM YOU DO NOT GIVE ME WHAT I AM REQUESTING, AND I CONTINUE WITHOUT RECEIVING THE TRUE DOCUMENTS. THIS SITUATION HAS ME STRESSED, NERVOUS AND WITH GREAT ECONOMIC LOSSES, I HAVE NOT RECEIVED THE DOCUMENTS AND ITEMS BELONGING TO THE ACCOUNT THAT I HAVE DISPUTED XXXX  / XXXX  # XXXX. I HAVE GIVEN IT UPON MORE THAN 60 DAYS THE SYSTEM DOES LAST NOT MORE THAN TWO HOURS, OR EVEN MINUTES, AUTOMATIC RESULTS ARE ISSUED, I HAVE COME TO THINK AND MY CONCLUSION IS : TO ASSUME THAT YOU HAVE BLOCKED IT SO THAT IT CAN NOT BE DISPUTED FOR MORE THAN TWO HOURS. THEREFORE IT CAN NOT BE REMOVED AND AS A RESULT IT REMAINS THERE FOREVER, AS WELL AS THE AGENT OF THE DEPARTMENT OF SPECIAL AFFAIRS WHEN IT MADE ME THE THREAT THIS ACCOUNT WILL NEVER BE ELIMINATED UNTIL WE HAVE DECIDED, TO PEOPLE SUCH AS YOURSELF WE HAVE TO BE VERY RUDE. THAT MUST MEAN THAT AMONG COWORKERS THEY GIVE EACH OTHER INFORMATION FROM CUSTOMERS, THIS IS VERY DELICATE, THIS IS PROVIDED TO SHARE PERSONAL INFORMATION FROM CUSTOMERS, SOMETHING HAS BEEN DONE TO MY CREDIT THAT IS ACCOUNT DISPUTED AS IT SHOULD BE, AS THE LAW IS ESTABLISHED, SO WHY ARE THERE LAWS IN THE FIRST PLACE? 
WHERE ARE THE DOCUMENTS TO VERIFY? I ONLY ASK WHAT IS ALREADY IN THE LAWS AND I HAVE NO ANSWERS, THE RESULTS OBTAINED ARE ACCORDING TO WHAT THE AGENT THAT DAY SAYS SO. WORSE EVEN, I ASSUME THAT THEY DO NOT HAVE DOCUMENTS TO SUPPORT IT, BUT THEY DO NOT WANT TO REMOVE IT FOR THE PERSONAL WAR THAT THAT DEPARTMENT HAS TOWARD MY PERSON, EACH TIME I CALL, I AM AFRAID OF THE RETALIATION THAT THEY DO AGAINST ME, BUT NOW, IF THEY HAVE BLOCKED ME ON LINE, I TRY TO SUPPLY IT WHERE THEY TELL ME : EXPERIAN / UPLOAD, IT SAYS THAT MY DISPUTES CAN NOT BE BY THIS WAY, THEN I SEND THE DISPUTES VIA CERTIFIED POSTAL CORRESPONDENCE AND THEY DO NOT RESPOND TO ME, THE 30 DAYS ARE NOT TAKEN, IN FACT THIS MONTH I HAVE SENT MORE THAN 6 DISPUTES. YOU MADE A MANIPULATED LOCK WITH MY CREDIT, THE AGENT 'S THREATS HAVE MADE A VERY DELICATE REALITY, TO CONTINUE THIS SITUATION I WILL HAVE TO TAKE LEGAL MEASURES, I DESERVE AN ANSWER AS REQUESTED AND AS REQUIRED UNTIL WHEN YOU PLAY WITH MY NERVES, IS THIS A GAME OF? WHO ENDURES MORE AND WHO IS TIRED FIRST? I ASK FOR RESPECT, AND DIRECTLY ACCUSE EXPERIAN OF BEING AN AGENCY TO DO WITH MY CREDIT WHAT COMES IN THEIR DESIRE AND BY A PARTICULAR AGENT.
Consumer complaint received 2022-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

HSBC Bank XXXX Credit card customer informed me that they were lowering my available credit limit without reason or cause which resulted in lowering my credit score and hurting my ability to utilize credit. I had a balance below 50 % of my available credit and have never been late on a payment so this comes as a surprise with no recourse. This action should no be allowed without cause as it hurts peoples credit scores and purchasing power with no notice.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Liquidation Services Inc. (MN)

We received a letter in the mail from Account Liquidation Services , Inc. requesting my card information on XX/XX/2022. This letter was sent to my former address, therefore I didn't actually recieve it until XX/XX/2022. The letter stated there was a check used under my name, and was not honored by the bank, XXXX Bank. The check was written for {$41.00} used at XXXX XXXX. I've never heard of this Bank, nor XXXX XXXX therefore assumed this was a new scam. We called the Account Liquidation Services , Inc. and left a voice-mail on XX/XX/2022. We received a call back from Account Liquidation Services , Inc. today, XX/XX/2022. They confirmed they are in fact not a scam, and actually just received another check that not honored by XXXX Bank for {$100.00} at XXXX XXXX again. I have also never heard of this bank. I use a different bank, and have never written a check before. Account Liquidation Services INC. informed me that XXXX XXXX Is for XXXX XXXX The first check was used at XXXX  # XXXX. The second check was used at XXXX # XXXX. XXXX claims once they turn the check over to the bank, and the bank turns the faulty check over to collections, they are no longer able to help. Both of the XXXXs are located in Wisconsin. I work, and reside in Minnesota and have no need to go to Wisconsin and was not there the time these transactions were made. I called both banks, and they both claim to not have accounts under my name. XXXX Bank said they were probably counterfeit checks, someone forged my identity and they are not able to resolve this issue as it is a federal matter. I contacted our Attorney General office, and they referred us to this website.
Consumer complaint received 2022-02-10
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION (PA)

On XX/XX/XXXX the car loan was Charged off on my account and it reflected that. When the company charged it off I was never sent a 1099C according to the IRS any charged off of debt over {$600.00} the lender must sent the customer a 1099C there for could never file it on my taxes. 
As of XX/XX/XXXX BB & T the original lender stated I was late on a months car note payment of {$530.00} on an account that had already been charged off back in XXXX. The company also fraudulently forged payment records stating that I have been in good standing with my payments since the loan first originated in XXXX. My credit had been hit hard & Im losing money by this recent fraudulent late payment Delinquency. I would like this BB & T lender removed from my credit profile Expeditiously due to their fraudulent activities and shady business tactics. I also would like this recent late payment taken off of my record as well. According to the FCRA it must be removed. I would like it to be removed on all three credit bureaus on which it is reflecting. I dont understand why a closed account is still reporting and also report fraudulent information. I need this removed from all 3 report credit bureaus
Consumer complaint received 2021-02-22
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.