davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi CFPB customer care With XXXX XXXX XXXXXXXX credit card account number XXXX I requested that my funds were going towards my mother medical bills during XXXX and also during pandemic XXXX my grandmother died and I have to cover funeral cost, hence i opted thier financial plan for few months I have covered most of them and even after requesting late payments were reported these accounts in the XXXX, XXXX AND TRANSUNION CREDIT report and even closed my credit card account as well. I requested XXXX XXXX XXXX XXXXXXXX during XXXX and XXXX via many good will letters to remove late payments as well to reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks under following fields Account closed by credit grantor '' and also " worst payment status information as well " on XXXX, XXXX AND TRANSUNION CREDIT reports as well late payments reported in XXXX, XXXX AND TRANSUNION CREDIT reports associated with these XXXX XXXX XXXXXXXX credit card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation
Consumer complaint received 2020-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (TX)

I received a notice from Convergent Outsourcing Inc stating the original creditor was XXXX XXXX XXXX XXXX which is my current loan for my vehicle and I do not have an outstanding balance with them!
Consumer complaint received 2020-05-29
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: Experian Information Solutions Inc. (WY)

XXXX I have made several attempts through experian to fix my credit rating due to incorrect reporting on my credit usage my credit card has a XXXX balance and experian reported I had utilized 96 % of my card. I have called and made several disputes because I want it updated ASAP.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

Ive tried to get my three credit reports from annualcreditreport.com but kept getting a message on each site that I need to call and request a report. I called and ordered my credit reports and the following happened : - Experian mailed a credit report print out - XXXX mailed a letter saying that I had requested a credit report once in the past 12 months so I would need to pay to order another one - XXXX never sent a credit report
Consumer complaint received 2022-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

This is my second complaint on TransUnion for the same issue. Company " responded '' that the credit score has a fee. I know that. TransUnion cashed my {$15.00} check on XX/XX/2022, which paid them to obtain my credit score, and they still have not provided it. They have had the money for four months. They need to send the score.
Consumer complaint received 2022-07-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I had what I thought was my friend selling some items to me so I sent whom I thought was my friend the money through XXXX. She even sent me a copy of her drivers license so I could pick the items up just to find out it was never her at all. When I contacted Truist and XXXX they said there was no guarantee I would get the money back even though I had been tricked to think it was my friend I was sending the money to. Not only did they take my money but they have my friends personal information too. Claim # XXXX but said Im not protected to get my money back even though these people were impersonators.
Consumer complaint received 2022-07-01
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. (AZ)

In accordance with the Fair Credit Reporting act 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 a account without my written instructions
Consumer complaint received 2019-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX I financed a vehicle with The XXXX XXXX XXXX XXXX, terms 75 months. XX/XX/XXXX, I received a congratulations letter advising me that in 90 days from this date my loan will reach maturity, and to please accept that letter as a notice of important lean ending information. 90 days from XX/XX/XXXX would be XX/XX/XXXX. I paid my payments, received my title, and assumed all was well. 

In XX/XX/XXXX I learned my Identity had been stolen, I began the process of rectifying this. In review of my credit reports, I came to realize that The XXXX XXXX XXXX XXXX ( XXXX XXXX ) had reported 30 & 60 days past due for XX/XX/XXXX& XX/XX/XXXX, but I paid my loan of in XX/XX/XXXX, as per all my statements and my congratulations letter! 
I immediately filed a dispute with the credit bureaus & contacted XXXX. 
On XX/XX/XXXX at XXXX, I spoke to Customer Service Supervisor, XXXX XXXX who advised me to send him an email with my payoff letter, and a copy of my credit report to show how it is being reported, as it was not that way on his end. ( I paid the car off in XX/XX/XXXX, a year prior to this conversation ) On XX/XX/XXXX, XXXX, Mr. XXXX responded via email, advising me he would be reversing the credit Hit for XX/XX/XXXX & XX/XX/XXXX, and to allow two credit cycles for the change to take effect. As of this date, the only other month that was reporting 30 days past due was XX/XX/XXXX, which is legit. During the life of the loan I hit 1 hardship, and requested the XX/XX/XXXX payment be placed in the rears, I paid the interest only. I have attached a copy of my credit report before the dispute & after the dispute. 
On XX/XX/XXXX, I received a notice from Experian that my credit score decreased due to XXXX   reporting. XXXX XXXX did correct there reporting error for XXXX & XXXX of XXXX, but for whatever reason added 5 NEW 30 days past due. This is absolutely false, and I have been battling XXXX & the Credit Bureaus since. I reached out to Mr. XXXX via email to ask why he did this, and he claims he did not, he requested I send him a copy of my report again, stating Not sure what could have happened. 
I have sent countless disputes, & letters to XXXX & the credit Bureaus, providing copies of how it was reported before I did the dispute & after, but nothing ever changes. 
THIS IS JUST A LIE, I would have been better off not disputing the pay off. 
I satisfied my loan in XX/XX/XXXX, just as I was supposed to. XXXX reported incorrectly in the end. It took me 1 year to realize the error, and requested this reporting error be corrected in XX/XX/XXXX, 1 year after loan was closed. 
XXXX corrected their XX/XX/XXXX error, in XX/XX/XXXX. However, they decided to falsely report " new '' late payments from XX/XX/XXXX & XX/XX/XXXX, THAT WERE NEVER REPORTED BEFORE. This is really hurting my credit, & enabling me to get credit extended for my new business.
Consumer complaint received 2022-07-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (IL)

I sent a letter over a month ago requesting validation of the debt but have yet to hear back anything from the company. I even called ( XXXX ) XXXX to speak to a live representative, however, was unable to ever reach anyone in the correct department. I am requesting a deletion of the account in order to deal with the original creditor directly to clean up my credit profile.
Consumer complaint received 2022-07-13
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)

TransUnion has continued to violate me as a federally protected consumer with no regard of my reputation or their grave responsibilities under the FCRA. I requested validation of the alleged debt and sent it to TransUnion, their response was " VERIFIED AS ACCURATE ''.. I asked them to provide the information they obtained to decide that the account that I disputed was accurate. They never responded. The account was listed on my report as XXXX  XXXX XXXX, pulled my report and it was gone. They never provided me with an updated consumer report letting me know that the item was removed. They also, never answered my demand for disclosure on the information used to verify the account. Which is a VIOLATION under 15 USC 1681i ( a ) ( 6 ) as they are supposed notify me of the above mentioned information. TransUnion has decided that they have no responsibility to maintain the maximum accuracy as it relates to me the consumer and natural person. They LIED about actually doing an investigation and verifying the information which is why they ultimately removed the account from my consumer report. They are civilly liable pursuant to 15 USC 1681n and I am now seeking monetary relief.

They have also deleted quite a few of inquiries off of my consumer report and I received confirmation about those deletions ( but they failed to send confirmation about the above mentioned account ). Those deletions are FURTHER proof that TransUnion is to be held liable under 15 USC 1681n. Deletions are admission that the information was inaccurate from the start. You were supposed to maintain the accurate of my consumer report and you repeatedly failed to do so.
Consumer complaint received 2020-07-16
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX  XXXX {$4000.00} CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY FILED XXXX CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$4000.00} XXXX XXXX {$590.00} XXXX XXXX {$500.00} XXXX  {$0.00} XXXX  XXXX  XXXX
Consumer complaint received 2023-01-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am so perplexed and doubtful about this situation. XXXX has not been act in accordance with the Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored this document. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. The account is as follows - BK OF AMER XXXX Date Opened : XX/XX/2008 Balance : {$49000.00}
Consumer complaint received 2023-01-03
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-02-18
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 — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation (IL)

BRIDGECREST XX/XX/XXXX XX/XX/XXXX or the XX/XX/XXXX the vehicle was confiscated from fleeing and eluding the police which I wasnt part of the court found me not guilty, but before that I alerted The finance company to come get there vehicle because of the police impounded they said they were gone charge me to get it out I said thats fine but instead of them getting it out I was still paying my car note even when it was in the impounded the by the police saying the vehicle wasnt not ever to be released back to me BRIDGECREST let the vehicle sit until XXXX when trying to get which the yard told them car was XXXX dollars so BRIDGECREST handed them title which I have court papers and police and XXXX mayor signature that the car wasnt released back to me when they could of had got it when I got lock up with the vehicle they let it build so it could impact my credit from owing debt so please investigate and remove from my credit report Persut to ( FCRA )
Consumer complaint received 2022-07-01
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-06-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A. (NJ)

PNC BANK closed out my checking account because of an issue I CAN NOT OPEN MY XXXX XXXX ACCOUNT IT AS BEEN RESTRICTED my PNC ACCOUNT WAS CLOSED OUT because of an issue with a merchant I purchased computers for my business the merchant did not deliver or claimed the packages got lost so I then did a police report pnc temporary credit my checking account I was able to take the funds from the bank and went on to purchase my items with the funds after submitting the police report and all the substantial evidence pnc bank still ruled that my account was not to be permanently credited closed it out at a negative balance and then sent me to collections. I then applied for a XXXX XXXX XXXX XXXX account because now that my account is closed I need to do banking else where XXXX XXXX  pnc as sent NEGATIVE INFORMATION OF FRAUD to XXXX XXXX and until this is corrected they will not do business with me I have attached all the evidence after reaching out to XXXX they ruled to stand by PNC Decision and found no error. Please Help ME rectify this situation
Consumer complaint received 2022-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

My monthly payment for my XXXX XXXX XXXX was due on XX/XX/2022. I tried logging on to my Comenity account via the XXXX app. There was no option to sign in and make a payment. I tried accessing their " Easy Pay '' feature, but all I got was a blank screen after loading. I contacted XXXX via XXXX to find out what was going on. They suggested I call the number on the back of my card. I have tried calling four times. Each time, there would be a ring then dead air, followed by an automated message saying my call couldn't be completed due to technical difficulties. There is literally NO way to make a payment. And Comenity is responding to complaints with a blanket statement, and saying that they have no idea when their online system will be running again.
Consumer complaint received 2020-02-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC. (NV)

This is regarding an apartment lease. I elected to withhold rent because the property manager was unfairly charging late fees and utility fees. The issue went to Court in XXXX county Nevada. An offer was made for the full amount owed minus the fees, but the other party declined. The Court ordered me to vacate the property and for all parties to bear their own costs. That said, there is nothing owed to XXXX XXXX in this case although they have hired IQ Data as their collection agency. The collection agency has never furnished any itemized statements of the amount owed. Neither have they ever communicated in writing about the " outstanding debt. '' The collection agency has failed to abide by all the consumer laws required under the FDCA. As a result, I have suffered irreparable harm in the form of denied credit to continue my post-graduate degree, to refinance my car, and to obtain gainful employment.
Consumer complaint received 2022-07-28
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)

Im submitting this complaint again to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft.These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-29
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. (FL)

I'm a Victim of Identity Theft. I want a put a fraud Alert On My Credit files ASAP I did not give anyone permission to open any Accounts using my Personal Information these Accounts was open without my Authorization I want them Removed and Block From My Credit Files.
Consumer complaint received 2020-06-14
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. (TX)

I have been disputing this creditor since XXXX XXXX will not update my account with the creditor XXXX XXXX . When XXXX  does an investigation, the results are always returned in 3-5 days stating accurate information. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the creditor several times showing that the accounts are current and XXXX still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated. 
I have disputed and contacted both XXXX  and Transunion about 2 creditors reporting incorrect information on my credit report. I have sent in proof that one of the creditors was paid in full and Transunion refused to update the information. Transunion stated that's the result of their investigation was accurate from the creditor, but the creditor is no longer in business. The creditor is XXXX To Learn balance $ XXXX. The collection agency for XXXX XXXX XXXX is XXXX XXXX and XXXX XXXX no longer is responding to any calls nor a current lawsuit for over payment of this account. Payment information was submitted to the collection firm and they still won't update my report. XXXX  will not update my account with the creditor XXXX Co. I've been disputing this account since XX/XX/2020. The account shows paid ; closed ; charge off ( 12 charge offs ) for the same 6 accounts. I submitted proof from the  creditor several times showing that the accounts are current and XXXX  still won't update my report accurately. XXXX  always update accounts 60 days after a payment has been confirmed by the creditor. My account with XXXX XXXX was paid on time for XXXX and XX/XX/2020, but still not updated.