davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-04
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. (AL)

I recently challenged the validity of XXXX XXXX Account XXXX thats being reported on my most recent credit report. Upon challenging this, XXXX updated the payment history to current with no late payment history based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Transunion, they have verified this same account. Its my understanding that the creditor reports the same information to all credit bureaus as expected by FCRA. If the information is true, Im requesting the information Transunion used to verify this account payment history in writing. If such documents can not be produced please notify Transunion to update this account on my credit report immediately. Transunion failure to validate the account violates my rights as a consumer. How is it that XXXX doesnt reflects a late payment. Transunion reflects late payment for XX/XX/XXXX and XXXX reflect late payment for XX/XX/XXXX. If the information was validated all credit bureaus would reflect the same information. Im requesting legal action to remove information from my account immediately
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

On XXXX I pulled my three bureau credit report using a credit monitoring service and I discovered an account being collected by ProCollect, Inc., a debt collector located in XXXX, TX. They were collecting on behalf of an apartment complex. They showed I had a balance of {$3400.00}. ( SEE PAGE 19 OF ITEM # 1 ) On XXXX I sent ProCollect a standard dispute letter and asked them to provide evidence of the debt 's validity. I later received a statement dated XXXX that showed a balance of {$1900.00} and included an incomplete breakdown of some accounting that indicated a balance of {$2200.00}. The {$2200.00} included a final line item charge of {$1900.00} with no clear information about what the {$1900.00} charge was for. There was also included a partial lease agreement that was missing sections or pages. ( SEE ITEM # 2 IS EVERYTHING THEY SENT ) On XXXX I mailed them a second dispute letter outlining all the issues I found with their attempted validation. ( SEE ITEM # 3 ATTACHED ) Also, on XXXX I pulled the reports again and saw all of the balances were still reporting {$3400.00} and ProCollect had not marked the item as disputed with any of the bureaus even though they had completed their investigation and sent me their validation documents. ( SEE ITEM # 4 SEE PAGE 14 )  Them not reporting after completing their investigation to update the account is a violation of the FCRA. Finally, as of this week, the account is still reporting with multiple discrepancies with amounts, dates, etc. ( SEE ITEM # 5 PAGE 18 ) In summary, my arguments are they knowingly reported a balance due that was nearly double the amount they had showing in their system. I feel this was a deliberate attempt to extort extra money from me. When asked to validate the debt they could only produce documentation for about {$1900.00} on one item and about {$2200.00} on another obviously far less than they were demanding. Secondly, they completed their investigation in approximately 2 weeks and mailed me documentation confirming it, but they did not report to the bureaus to update the account after their investigation was completed. That is two clear violations of the FCRA and FDCPA.
Consumer complaint received 2018-12-06
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. (IL)

Experian alleges a verification of an account was conducted on XX/XX/XXXX and identified the source of information to be U.S. BANKRUPTCY - CENTRAL DISTRICT ( attachment # 1 ). My Experian consumer report generated on XX/XX/XXXX, identifies the source of information to be " Us bkpt ct ca XXXX XXXX '' ( attachment # 2 ). How can a different court be reporting ten days later if a complete and  thorough investigation was conducted? Also, the status date of the account reflects XX/XX/XXXX. If the account was verified in XX/XX/XXXX, the status date should reflect the XXXX date. 

On XX/XX/XXXX, I received a letter from Experian advising they would not reinvestigate this account without additional relevant information. This letter also identifies U.S. BANKRUPTCY - CENTRAL DISTRICT as the source of information ( attachment # 3 ). However, my Experian consumer generated report dated XX/XX/XXXX again reflects " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 4 ).

Today, my Experian consumer report also identifies " Us bkpt ct ca XXXX XXXX '' as the source of information ( attachment # 5 ). Experian has a obligation to conduct thorough, complete investigations. Additionally, the FCRA stipulates credit reporting agencies only report accounts that are complete, accurate and verifiable.
Consumer complaint received 2022-08-28
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: DriveTime (VA)

I checked my personal credit report, which I acquired from XXXX, XXXX XXXX, and XXXX XX/XX/2022 and I noticed Multiple unauthorized credit inquiries had been made. Under the Dodd-Frank Wall Street Reform and Consumer Protection Act, I Have the authority to take action against institutions engaging in unfair, deceptive, or abusive practices. Under the terms of the proposed consent order filed today these inquiries where not bought on or made by me. I contacted The Credit Company who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the following credit inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above XXXX XXXX XXXX XXXX VA, XXXX. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Consumer complaint received 2021-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

XX/XX/XXXX usaa closed my account locked me out so I could not withdrawals any of my funds.. they informed me based on the depository agreement they have up to XXXX days to send my money. I have called at least XXXX times and get a different answer every time it now has been XXXX days and they still havent closed my account and sent my funds to me. They never gave me a reason why they said they can close it anytime. Worst customer service nobody is helping me I havent been able to pay my XXXX bills my sons XXXX and late on all my accounts because they blocked my money {$1400.00}
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I have attached an account that is reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have this account deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached circled pictures of the account with the inaccuracies.
Consumer complaint received 2022-02-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Account : XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00}. XXXX : XXXX XX/XX/XXXX.
Consumer complaint received 2021-03-19
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. (IL)

I recently viewed my credit report and noticed several fraudulent and unknow companies reporting inaccurate and fraudulent information on my credit report. I filed a FTC report and notified my local authorities of the issue. I submitted the FTC report to XXXX and TransUnion on XXXX XXXX, 2021 to prove that XXXX XXXX, along with XXXX XXXX somehow obtained my information fraudulently from a consumer who has compromised my identity and destroyed my credit integrity on XXXX XXXX, 2021. Less than 30 days later I received an alert saying the accounts were updated with the same information reported from the prior month. I submitted another dispute with the FTC report and including my Driver 's License a current mailing with my true and accurate identity again with both Bureaus and the Companies updated the information again with a late fee added of {$54.00}. I am very disappointed in both XXXX and Transunion in their performance in upholding the consumer laws. I have validated my true identity in each mailing and online dispute with both Bureaus. I want my CREDIT integrity restored and all fraudulent activity in my report that's not mine to be REMOVED.
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2021-02-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Union Home Mortgage Corp (FL)

On XX/XX/20 XXXX XXXX ( victim ) spoke to XXXX XXXX by phone, e-mail, and text message. An agreement was established that she would have a sum of XXXX XXXX dollars wired to XXXX XXXX  to secure a loan of XXXX XXXX XXXX XXXX XXXX dollars for a purchase of a real property. On XX/XX/20, XXXX XXXX traveled to XXXX XXXX were she wired XXXX XXXX to an account in XXXX XXXX named ( XXXX XXXX XXXX XXXX ) Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, FL XXXX, Account Number : XXXX, Routing Number : XXXX, Branch Address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. XXXX XXXX waited three weeks and had not received any documents in the mail or e-mail, she had not heard anything from the lender, Every time XXXX tried to communicate with XXXX, he would ask for more time, to call later, he was busy, or he'll get back to her. Never did. XXXX XXXX became suspicious and contacted the owner of the property that she was buying, who told her they did not receive any documents or money from XXXX. XXXX contacted Union home mortgage, where she was told XXXX XXXX had no longer worked for that company. XXXX then filed a police report for fraud. XXXX has more documents that XXXX sent her for the loan and also the police report.
Consumer complaint received 2021-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (MI)

In XXXX of XXXX, I transferred {$60.00} from my bank account to Coinbase in exchange for a total of XXXX XXXX 

After the receipt of my money, coinbase exchanged the XXXX and then locked my account pending " ID verification '' to which I have provided multiple times. Because of this lock, I have no access to my XXXX, which now are valued at {$320.00} ( as of XX/XX/XXXX ). I have made multiple attempts to contact Coinbase and they have closed my support tickets 4 times without any word or assistance. 

They have effectively scammed me out of my money and are refusing to get into contact as to what's going on.
Consumer complaint received 2021-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

My XXXX XXXX XXXX XXXX was stolen in late XXXX. XXXX was made aware of this and given copies of the police report and the insurance company 's contact information. The vehicle was eventually recovered in XXXX of XXXX, however XXXX had already marked the account as a total loss and therefore cut off access to my account online and they refused to take payments over the phone. XXXX still is reporting the payments from XXXX to XXXX as being late. From XX/XX/XXXX until XXXX of XXXX the account is marked as no info as that is the period when XXXX had closed the account. 

During that time period I attempted to contact and pay these payments on numerous occasions yet no one at XXXX would assist me other than to say the account was closed. I even filed a Better Business Bureau complaint and XXXX replied to that by saying the account was closed. XXXX advised me to contact their insurance company who had a non-working email address and a phone number that had a message saying to try back later every time I called it. 

Then without informing me, but likely due to the sheer volume of phone calls and letters I had sent to XXXX, they re-opened the account and the payments from XXXX through XXXX are now marked as delinquent. 

In XX/XX/XXXX the vehicle was again stolen and in XXXX of XXXX, according to XXXX, the XXXX account was again closed. In XXXX of XXXX I finally was able to reach someone at XXXX in their internal collections department who agreed to accept payments. I have paid TXXXX over {$20000.00} in the past two weeks to bring the account current. And fortunately the vehicle was again recovered by the police. However when I requested an extension or forbearance on payments I was told to make one more monthly payment and they would make a compromise with me. I made one more payment as requested and then they refused to make any offer and blamed me for the payments being late while they simultaneously admitted that they had closed the account previously and would not ave accepted any payments. 

I have attached documentation verifying all of the above information including XXXX response to the XXXX complaint that states I owed {$1100.00} ( one payment ), yet according the reports XXXX reported four late/missing payments up to that time. Included in the documentation is an email returned to me showing the XXXX XXXX email address did not work and a letter I sent to XXXX after the XXXX  complaint in an effort to bring the account current.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF THE WEST (OH)

Complaint : Bank of the West has not provided the State of Ohio with funds for taxes and registration, or title for recreational vehicle purchased in my name on XX/XX/2021. Todays date is XX/XX/2021 Due to this delay I have had to purchase temporary tags for the vehicle and the tags have since expired. Bank of the West consistently conveyed unrealistic timeframes for loan approval process, and funds distribution post approval. 

I contacted Bank of the West through the XXXX XXXX Website to secure a loan to purchase a recreational vehicle from a private seller. The seller and I both live in Ohio. 

Working with Bank of the West was a pretty disappointing experience. My Loan Representative did not disclose realistic timeframes throughout the loan approval process and post approval. They delayed so long in fact, that I would was stuck working with them, or I would have to get another hit on my credit by moving my business to another bank. It was a classic bait and switch situation.

After months of delay after being approved for the loan Bank of the West did in fact come through with payment for the seller. However they have not yet presented the title and funds for taxes and registration to the State of Ohio. 

I have called too many times to count since acquiring the vehicle. Hold times range from 40 minutes to 1.5 hours. Often times I am disconnected without reason. I have been told I would be called back and no one calls. Absolutely terrible customer service all around, but now what they are doing is illegal. Holding funds that belong to the State of Ohio for taxes and title for over 60 days.
Consumer complaint received 2022-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Early Warning Services, LLC (VA)

I sent {$500.00} via Zelle for a XXXX XXXXt and the seller is not acting in good faith. As agreed seller was to ship item on Friday XX/XX/2022 and provide me with a tracking number. The seller is not responding to my texts. Seller stated his name is XXXX XXXX and his zelle is linked to email XXXX. Contacted him via cell phone number ( XXXX ) XXXX disputed charge with XXXX bank and submitted an ic3 complaint. Zelle Id is : XXXX
Consumer complaint received 2022-05-30
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. (LA)

I received your response Last ( XX/XX/2022 ) that you Close MY COMPLAINT # XXXX, that i sent a on ( XX/XX/2022 ) to Investigate the Innacurate Accounts : XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; .According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file.
Consumer complaint received 2022-05-30
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. (NC)

15 USC Section 1681a ( 2 ) ( A ) ( i ) does state that a report containing information solely as to transactions or experiences between a consumer and the person making the report are not considered to be a consumer report. 

Experian XXXX XXXX has violated the Fair Credit Reporting Act as a direct result on this by furnishing inaccurate & illegal experiences ( utilization ) between the person ( XXXX XXXX Bank ) & the consumer ( XXXX XXXX ) without having a permissible purpose 15 USC 1681b ( a ) ( 2 )
Consumer complaint received 2022-07-24
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: EQUIFAX, INC. (FL)

XXXX Equifax and XXXX keep reporting I have late payments on a XXXX account with the account number XXXX the late payments are XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 XX/XX/22 I have never been late the account balance on the account is incorrect please update balance to account paid in full please remove all late payments from this account with Equifax XXXX and XXXX I was never late
Consumer complaint received 2021-04-22
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX  credit report sent me a report on XX/XX/12 saying I have a balance of {$93.00} with Bank of America ( located in TX ). First, I have never been to TX. Second, I never opened any credit card with Bank of America. I have contacted BOA and XXXX to dispute the 2 credit cards in my account. There must be an identity theft using my SSN to open account. Please help me with this. I feel really insecure.
Consumer complaint received 2021-04-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX  and Transunion apart from being extremely slow are not reporting positive information on my credit. 

Since 2019 I have hired a credit repair company and have aggressively pursued a credit increased score. XXXX seems to have a higher score with a 46 points difference. XXXX and Transunion are behind for an entire 2 years of ameliorating my credit score. They are stagnant credit bureaus. 

I have paid off many items for 6 months and they still have not reported any of them. I have several mortgages in which they still have old amounts from years ago when they should be current. Some of the mortgages are 20k-30k less and they are still reporting higher debt amounts. They are also not reporting payoffs. Which increases my debt to income ratio lowering my credit score. They need to update credit reports more diligently and accurately. Their process of updating is just too delayed, making it impossible for people to have positive credit ratings. While one credit agency is reporting a high credit score. XXXX  and Transunion are continuously stagnated on the same score for over years. This needs to change! They need to value families more and be more diligent in the services they are providing. 

Credit is very important to be able to have purchasing power. At the moment I have to rely on old information they still have archived on my credit report. Many of them from decades ago declining my opportunities.