davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (HI)

XXXX XXXX has a old account settled in XXXX that keeps reappearing on my experian credit report and it now states its a debt from XXXX settled and XXXX balance. Its a total lie and incorrect. It was from XXXX settled way back then. It needs to be removed. Please make them remove it. Its effecting my score.
Consumer complaint received 2019-08-28
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. (NY)

I have sent in several request to have the FRAUD ALERT on my credit file REMOVED. 
To whom it may concern, It has come to my attention that my credit file with your company contains a fraud alert. 
I do not wish this fraud alert maintained on my credit file. Please remove it immediately. 
To assist you in verifying my identity I am enclosing a copy of my state issued drivers license and my social security card. 
Please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRA furnishers of this information. Please also forward to me confirmation that this has been done. 

I have enclosed my drivers license and social security card. If for any reason you need to contact me, my contact info is listed above. 

In accordance with the provisions of FACTA, I hereby request that I be sent, at no charge, a copy of my credit report. 

Again, please REMOVE ANY and ALL FRAUD ALERTS from my credit file and send the required notifications to all CRAs. 

Thank you in advance for your assistance in this matter.
Consumer complaint received 2022-12-12
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. (TN)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$7500.00} ), XXXX  ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$7800.00} ), XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ), XXXX  XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ), XXXX XXXX XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX XXXX : {$4000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In XXXX XXXX I became unable to pay my mortgage due to the Pandemic and completed a forbearance application. I also had to file a federal court case against both XXXX and XXXX for breach of contract, Respa XXXX, Negligence, and etc. 

I have disputed the inaccurate reporting of my payment history with XXXX, XXXX, XXXX and Transunion, yet these inaccuracies still remail and continue to cause me and my family great financial hardship. 

XXXX are in direct violation of the FCRA and CFPB regulations as they are knowingly reporting inaccurate and inconsistent information about my payment History. I am also attaching a letter received from XXXX confirming Respa violations and misapplication of my payments received and wrongful payment history reported. 

For example, Transunion and XXXX show me as current in XXXX of XXXX ( which I was ) However, XXXX is reporting me as XXXX delinquent for XXXX of XXXX. XXXX is also wrongfully holding a check from my home insurance company to finish the repair of my home as they said that I was not current on my mortgage which I was and I am attaching the letter to prove so. 

Also in XXXX and XXXX of XXXX Transunion and XXXX show me as 30 days delinquent and XXXX is reporting me as 60 days delinquent on each occurence. 

Lastly, when I applied for the forebearance, per the Cares Act, XXXX should have not been reporting negative items to the credit bureaus. 

I am under so much stress and financial strain and these negative marks are affecting my ability to get funds to help me take care of my family in my time of need. 

I have disputed these inaccuracies on several occasions with XXXX XXXX XXXX, XXXX, and Transunion. I kindly ask that these negative marks be removed immediately from my credit reports.
Consumer complaint received 2019-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (MO)

Today I received two calls from XXXX ( XXXX ext XXXX ) stating I owed {$450.00} on my comenity rewards mastercard. That the reason I had not received any bills is because they are now coming inside catalogs and are probably being thrown away. He said I have received one late fee of {$30.00} but could not pull up my charges. Also stated that when he tried the website froze. 

I hung up with him ( asking if I could call back - I did not ) and called XXXX/Comenity myself. I found out they had no record of my XXXX bill being delivered, so this fraud stole my XXXX bill somehow. My actual charge was much less. I paid it off and closed my card. This person and whomever they work with should be arrested.
Consumer complaint received 2021-01-28
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. (TN)

On XX/XX/2020 I mailed a letter requesting an investigation of inaccurate accounts on my credit report. It has been 60 days and I still haven't received any results.
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (KY)

XXXX XXXX XXXX XXXX XXXX  XXXXKY XXXX Fay Servicing XXXX. XXXX XXXX XXXX Texas XXXX Account number XXXX I have been trying unsuccessfully to acquire a mortgage statement from Fay Servicing for activity on my account. On XX/XX/XXXX I was told by customer service that the statement generator was turned off on my account on XX/XX/XXXX, and that statements do not exist. This is a direct violation of the Periodic Statement Rule set forth by the U.S. government protecting consumers. I was also told on the same date, unbeknownst to me that I have an APR ( balloon ) payment that came due on XX/XX/XXXX. I have been making the payment every month for over a year, as if there were no problems with my account, and I was never notified of any balloon payment, its due date, or action needed. 
It is clear the intentions of Fay Servicing in this matter. They intentionally turned off the statement generator 2 months before the maturity of the balloon payment as to not allow me to know of any action needed. Without knowledge of the balloon payment due, it would look like I didnt pay the mortgage and allow Fay Servicing to Foreclose on my property without any knowledge on my part. Without knowledge I can not foresee where the more than one years of payments have been assigned. 
This is clearly deceitful and underhanded. As I have made my payments regular, the action of Fay servicing can be clearly perceived as theft by deception.
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICA FIRST FEDERAL CREDIT UNION (UT)

America First Credit Union based out of Utah has created a premium checking account. The program is an " Opt Out '' program where they automatically enroll all checking accounts at {$6.00} a month. Credit union members must opt out of the program or pay the month fee.
Consumer complaint received 2019-08-26
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: Experian Information Solutions Inc. (OH)

I just pulled my credit report and I found a lot of accounts that I don't recognize ever doing business with the following companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX I have filed a complaint with the CFPB and FTC and now with the XXXX Police Dept.Someone has been using my name for accounts and credit cards.
Consumer complaint received 2019-10-22
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: Jon Barry and Associates, Inc. (FL)

This debt does not belong to me it belongs to my brother who has the same last name and same date of birth as well as close to the same Social Security number but one digit different. I want this account removed from all credit bureaus to include XXXX, XXXX XXXX, and XXXX immediately. I also have received numerous harassing messages in the past related to this debt. I am seeking legal help and in the process of hiring attorney to sue for damages if this account is not resolved immediately.
Consumer complaint received 2021-09-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (KY)

I received a letter from American Coradius International concerning a XXXX account that had not been paid. Initially thought it as a scam but decided to do some research. Many threads on XXXX website indicate this is not a scam but identity theft situation. Found the number for the debt company and called. They did not phish for any private information and explained that all it takes to open a XXXX account is someones address, name and an email address. She explained that your address and name are public information. She said that she would report the debt as identity theft to XXXX and I would not hear from them again. XXXX should require more verification to open an account and not put thousands of people in this position.
Consumer complaint received 2021-09-22
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2022-03-11
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. (MO)

On XX/XX/2022 XXXX sent a letter to my lender that there is no account. I mailed that letter to Experian in an effort to have my credit file updated accurately. 
Experian did not remove the creditor from my credit file. 
Please remove creditor from my credit file.
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

It is showing on all three credit bureaus that I made late payments in this account that I didnt. I want the account to be fixed and show that all payments were made on time on all three credit bureaus immediately.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (PA)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-26
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. As you can see date it was Last Reported was still XX/XX/XXXX in XXXX, XX/XX/XXXX in XXXX, and XX/XX/XXXX in XXXX. Date Last Active is being reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX repectively which make the report inaccurate and a violation. Otherwise I demand immediate deletion of this account from my credit file.
Consumer complaint received 2022-07-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (OR)

Bank records and personal assessment attached. 

Possible discrepancy between accounting and reported account balances. Where past account balances still available, assessment of records indicates possibility that revenue is missing from checking account. 

Transaction history was evaluated from XX/XX/XXXX until XX/XX/XXXX as of today, XX/XX/XXXX. Two sheets on attached documents show the full assessment, as well as two from XXXX and XXXX of XXXX ; and from XX/XX/XXXX until XX/XX/XXXX ( to count with the latest known account balance ). 

During XXXX, the last debit card was authorized. Then not authorized. I called to authorize it, the process worked like usual. Tried to spend on it after and the card was determined invalid by the machine the card was ran on. Tried to reauthorize it and it still didn't work. Got a new card now and this one is now working. This also happened to be near a large cash deposit from work I did with a sole proprietor. He doesn't have an assumed business name that I know of. 

Was this an account freeze to determine the legitimacy of income? 

Why was I not notified? 

How do authorized cards become unauthorized apart from consumer decision? Why are they invalid after being reactivated? 

Why, if there is such, are there apparent discrepancies between bank transaction records and the account balance posted? 

Do debit transactions go directly to the bank 's accounting? Or to the credit vendor advertised on the card? 

Does XXXX practice similar contract terms and conditions as XXXX XXXX or XXXX?
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Prime Recovery LLC (VA)

Prime Recovery LLC and XXXX XXXX and Attorney XXXX XXXX XXXX Phone : ( XXXX ) XXXX ( XXXX ) XXXX Address : Prime Recovery LLC XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX Fl XXXX XXXX XXXX, NY XXXX and XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- I am requesting an escalation to the FTC to include a full investigation into the unlawful and deceptive business practices of Prime Recovery LLC, XXXX XXXX, and Attorney XXXX XXXX XXXX. Currently I am being harassed by Prime Recovery LLC, owned by XXXX XXXX, with Attorney XXXX XXXX XXXX as a partner in committing unlawful debt collection practices. The letters they flood my home mailbox, the phone calls, and other correspondence they attack me, my family, and my roommates with forcefully attempt to collect on a debt held by their office and they tell me that they have filed multiple lawsuits against me in court even though I already have verified that they received the notices I mailed them containing cease and desist letters to each of their correspondence addresses. In addition to those notices, I also verified they received the separate letters advising that I am having to file a bankruptcy and Im getting together my filing fees. In order for his company ( XXXX XXXX and Prime Recovery LLC XXXX to fraudulently obtain a default judgement, they lie outright and deny any receipt of my correspondence and continue to aggressively collect on a debt held by their offices. In the process of their profane and aggressive collection efforts before and after receiving my cease and desist requests with notification of bankruptcy intent ; they have exposed my private financial issues to estranged family members and my roommates. Their actions have put an agonizing amount of stress on me and ruined my mental health state. I have also escalated a formal complaint to the Virginia State Attorney Generals office for investigation into the business dealings of both Prime Recovery LLC, and Attorney XXXX XXXX XXXX in my state. After consulting with a legal advocate attorney who is handling other complaints against Prime Recovery LLC, I intend to seek all options through class action or individual suit including any compensation available to me based on the array of evidence I have accrued that documents in full detail their continued aggressive harassment, their collection agents abuse and coercion using lawsuits against me, intimidation and blatant disregard for the protective laws in place by flat out refusing to abide by my cease and desist requests even after receiving notice of my intent to file bankruptcy.
Consumer complaint received 2019-08-26
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: Experian Information Solutions Inc. (FL)

Multiple accounts are reporting on my credit reports, that are incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (NJ)

I signed up for a promotion with Santander Bank. The terms of the promotion were that if I have {$4000.00} in direct deposits in the account I would be credited with {$400.00} after 90 days. I opened the account online on XX/XX/XXXX through a promotion code sent to my e-mail ( XXXX ) and called after opening to ensure the promotion was attached to the account. I received direct deposits of {$2000.00} on XX/XX/XXXX and XX/XX/XXXX. I received a call a week after the second deposit on XX/XX/XXXX letting me know that I had met the terms of the promotion and would receive a payout today, XX/XX/XXXX ( 91 days after opening ). I set a few alerts on my account so I would be notified when the promotion was received. 

Today, the promotional bonus was not in my account and I called Santander to inquire as to the status. I spoke to a representative XXXX who confirmed I had met the terms of the promotion and the marketing team would be evaluating the account tomorrow and I would receive payout over the next few weeks. He said that I was only at 60 days and I pointed out that 90 days had expired yesterday. We went back and forth on this issue for a while until he figured out he was not counting XXXX (! ) It's one thing to say I need to wait a few more days or another week even, it's another thing entirely to tell me to wait another month. I don't appreciate the runaround this bank has given me and the misinformation I received. I have met the requirements for the payout and they are delaying for no reason.