davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This is not a duplicate complaint, this is a entirely different complaint.PRA informed me on a previous complaint that I was property notified of this alleged debt.PRA provided document with the address:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX.That is not my address and I have never lived at that address, my address is XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXPRA continue to report this account to the credit reporting agencies.they are in violation of the early warning clause section 623 ( A ) ( 7 ).
Consumer complaint received 2022-12-19
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. (MI)

I have 2 credit cards that I had settlements with I paid both of the settlements off in XXXX of this year ( 2022 ) the XXXX XXXX XXXX still shows a balance & the XXXX XXXX XXXX also shows a balance I've submitted to the credit reporting companies a lot of times & nothing is changed
Consumer complaint received 2021-12-10
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: EQUIFAX, INC. (MD)

I am distressed that you have included XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX information in my credit profile on XX/XX/2021 and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Under the Federal law : I respectfully sent in notarized and certified letters on XX/XX/2021 and still no response. Also, please add a promotional suppression to my credit file. 


Thank you,
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (FL)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2021-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5600.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6900.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$170.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} IXXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$60.00}
Consumer complaint received 2022-10-20
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. Sc XXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX XXXX. XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C 1681s - 2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
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: World Acceptance Corporation (IL)

Complaints against World Finance Corporation, and XXXX, XXXX, and XXXX. World finance has continued to report unfactual and inconsistent information on my credit profile. All 3 Bureaus have failed to conduct a full and thorough investigation of my complaints, even after I have provided them tangible proof that World Finance continues to furnish them with erroneous data. In XX/XX/XXXX, I collected my 3 bureau report, I marked all information from World Finance that was inaccurate. I sent letters via US certified mail in XXXX, awaring World Finance of their inaccurate reporting and FDCPA violations including, but not limited to the re-aging of debt ( re-aged from XXXX XXXX XXXX to XXXX. XXXX now to XXXX. No payment or promise to pay has been made on this account in that time ; They also did not report any Date of last payment from the XXXX XXXX report, but in XXXX. XXXX they report a date of last payment of XX/XX/XXXX to XXXX only ( which is inconsistent and incomplete ) ; My XXXX XXXX report says that the account was opened XX/XX/XXXX, but in XX/XX/XXXX, they report instead with XXXX and XXXX that the account was opened XX/XX/XXXX ( Almost a 2 week difference ) .It is not possible to be 100 % accurate but provide two different dates to the Bureaus of when the account was opened ; The credit report that I pulled in XXXX has 2 year payment history that does not at all match the payment history being reported on my XX/XX/XXXX credit report ; XX/XX/XXXX report shows different High Credit balances, from XXXX $ to XXXX $ ; Account type is incorrect and different on both the credit reports I've pulled. I requested they remove the account from my credit profile. They did nothing! I sent documentation of all errors and violations via certified mail to XXXX, XXXX, and XXXX via certified mail in XXXX. They investigated and said the account is verified. Even then on my XX/XX/XXXX report account in Dispute remark was NEVER ADDED. I've even attached a screenshot of the XXXX Re-investigation report as proof that this account was formerly in dispute already. This company has failed to report accurate and consistent information on my credit profile since XXXX and has hurt my ability to obtain new credit in doing so. This is defamation of character. The credit Bureaus have failed to conduct a full and thorough investigation in light of all the errors that I have provided them with proof of and has allowed the creditor to continue to report unfactual data. I want this account removed from my credit profile immediately. I am attaching documentation, please take the time to read through, if not removed, I am prepared to move forward with my plan of action.
Consumer complaint received 2020-09-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: U.S. BANCORP (WA)

I received a US Bank ReliaCard as a part of the Ohio Unemployment Insurance Program. I am not an Ohio resident, nor did I request this card. I am not unemployed, either. I've tried to contact ReliaCard and when I call the line I can not get through unless I provide my DOB and full SSN, which I am not comfortable doing. I have not activated the card, however, I do not know how to dissolve the account.
Consumer complaint received 2020-08-25
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (OH)

I applied end of XXXX, XX/XX/XXXX was given an approval letter stating they had verified income debts and assets, which was valid thru XX/XX/XXXX to close on the home on XX/XX/XXXX I had in contract after submitting all necessary documentation for review. Around XX/XX/XXXX they asked to delay close to XX/XX/XXXX as they were still verifying insurance, property taxes and condo docs. I had to give notice at my apartment and did so to be out XX/XX/XXXX which would have ben plenty of time to get situated and they had leased it for XX/XX/XXXX move in. 

They said at some point that they had to close the application due to their " internal compliance timer being up '' and to restart the loan process, which I did and not to worry. this time they said I couldn't use my business income, so the CPA audit they had me pay for the 1st time around was for nothing, and they won't reimburse that cost. My moving expenses became higher due to having to move to another location temporarily and incur storage costs. I lost half my earnest money because they failed to honor their approval commitment letter. All said, I was out almost {$7000.00} in expenses ( reduced for what they would have been if the move happened as planned ) that won't be reimbursed. 

TO date I have received not in in writing by mail explains to me why I was denied credit for either application i made with them. In fact I have almost zero correspondence that has anything to do with regulatory disclosures and actions, and actually found some of those that were electronic had ben deleted from the portal I used on their website for document retentions and submission.
Consumer complaint received 2022-12-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2022, I received a phone call at my work, from Toll Free Call XXXX. It was an automated message with the caller identifying themself as Wells Fargo Business Preferred asking about my personal business checking account. They were calling to determine if a transaction for {$20000.00} was valid from my Wells Fargo Business Preferred Account. I did not continue the call. 

I tried to contact Wells Fargo by phone ( used different numbers provided on wellsfargo.com ). I was unable to get past the enter account number phase. As far as I know, my business does not have a Wells Fargo Business Account. 

I am a victim of known-name identity theft. Several checking, savings, and other cash accounts have been opened and transacted without my knowledge. It is possible that my business information is being used without my knowledge. Unfortunately, I was not able to contact any one at Wells Fargo.
Consumer complaint received 2019-10-25
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. (NY)

PLEASE INFORM ME TO THE REASON/S WHY THE XXXX XXXX FROM THE YEAR 2006 ACCOUNT IS STILL REFLECTING NEGATIVELY ON MY CREDIT REPORT. AFTER SEVERAL TIMES AT ATTEMPTING TO REMOVE THIS ACCOUNT COMPLETELY FROM CURRENT CREDIT REPORT. YOU HAVE NO IDEA HOW BAD THIS IS AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES. WITH DREAMS AND GOALS THAT I WANT TO ACHIEVE, ALL THE BAD REMARKS ARE REALLY PUTTING A FREEZE ON MY LIFE. WHY IS THIS ACCOUNT STILL REPORTING? NOTHING HAS BEEN DONE ABOUT THIS MATTER AND I DEMAND TO KNOW WHY.
Consumer complaint received 2021-02-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-01-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

I have been denied services and have been placed on a denied service list.Although I was a XXXX XXXX member and used services for years without incident. Today I could not receive funds. XX/XX/2021 I believe this is XXXX Profiling by western union.
Consumer complaint received 2020-08-25
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TRUIST FINANCIAL CORPORATION (VA)

I purchased a new car on Friday, XX/XX/2020 from XXXX XXXX of XXXX. I was never show multiple options for prices or leasing options. I was not told my credit would be run multiple times. I was shown one finance option, with Suntrust Bank at 5.9 % for 84 months, and told that was my only option. I subsequently learned this was false and I was entitled to see multiple options with multiple lenders, etc. 
Additionally, I was misled about additional products that were included on my loan as GAP insurance. I agreed to GAP insurance and learned that an extended maintenance contract was added with GAP insurance. The finance representative told me I could cancel GAP later for a refund. I wen t back to XXXX Sunday XX/XX/2020 and was told no one could help me. I returned to XXXX twice on Monday XX/XX/2020 and attempted cancel the loan or modify it. I called the lender, Suntrust, and was initially informed that I could cancel the loan and then, once at the dealership again, Suntrust reversed course and stated only XXXX could cancel the loan. XXXX would not. I then asked to remove the extra services I did not ask for that were added with GAP insurance and told that the money would be applied to the principle of the loan balance in 120 days and I personally would not be getting a refund or a reduction in my monthly payment. When GAP was explained to me the financier representative told me any unused portion would be refunded. The paper I signed for GAP states that I could cancel in 30 days without penalty. I will have to check with Suntrust to see when the " refund '' is applied to the loan. 

When I asked about a hidden fee that was not explained to me at signed the finance representative told me he did not have to explain it, because I did not ask about it on Friday. 

I have subsequently learned that this dealership has changed names multiple times to avoid negative reviews. I am now stuck with a loan that is approximately {$5000.00} more than the value of the car. The car price was {$22000.00}. With the added fees and maintenance contract that cost became {$27000.00}. GAP added {$850.00}, the unwanted service/maintenance added {$2600.00} and the mysterious TLP fee added {$450.00}. All of this is financed through Suntrust, which will now receive over {$31000.00} for this car. 

I am not disputing that I signed these papers, but the papers were not clear. The dealership engaged in misleading and false representations of what I was being sold after preventing me from seeing multiple finance options I was entitled to see. Suntrust Bank is complicit in these practices. I was told Suntrust was the only finance option.
Consumer complaint received 2020-12-22
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: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO REPORTING FALSE ALLEGE DEBT ON MY CONSUMER REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS WHICH IS A DIRECT VIOLATION OF THE FCRA. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2020-08-25
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. (AR)

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX XXXX {$1700.00} XXXX XXXX {$54.00} XXXX   XXXX {$98.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$250.00} XXXX   XXXX XXXX {$210.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX {$1800.00} XXXX XXXX {$1400.00} XXXX XXXX {$450.00} XXXX XXXX {$710.00} XXXX XXXX {$120.00} XXXX XXXX   XXXX {$710.00} XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} DEPTEDXXXX   XXXX {$5500.00}
Consumer complaint received 2023-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I contact MOHELA twice in mid XXXX first to move to an income driven repayment program as my current program payment was too high. I requested the paye program first, but when I called the second time I was told the repaye program ( that would become the save program ) would be a better option for me so I requested to be put on that program. I verified with the rep they would disregard the first application and take the repays application first. They updated my repayment programe to the paye program. I thought that was just a mistake and it would change to the repaye program. When it didn't change, I contact them again at end of XXXX inquiring about the change. They said to keep waiting and they would escalate it and it should process the change in 5 to 7 business day. On the XXXX business day it still had not changed, so I called again. The rep told me they had caught their mistake and put my account in forbearance for me so I wouldn't have to make the payment under the paye program in XXXX. They told me there was nothing else they could do besides keep waiting another 5 to 7 business days. On the 8th day I called again due to no change and they said to wait another 5 to 7 business days. It has now been 10 business days and there hasn't been a change or anyone reaching out to me. I am calling again on Monday.
Consumer complaint received 2021-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

The problem I'm having is this keeps showing up on my report. I don't remember the agency I payed off, it's been a long time. This contract seems to have been passed around like a football and I'm being harassed behind it. Midland credit management has put 3 negative remarks on my credit report 3 times last year that I know of right now. If I go back to earlier this year I'm sure I can pull some more remarks. These remarks are all in the same amounts of monies due. From what I under, a company can only do this once.why are they doing this. It's almost like their desperately looking to sabotage my credit by putting multiple negative reports on my credit report, for the one contract they claim to legitimately have.