davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This complaint to TransUnion result of their non-compliance to my request and for their refusal of getting the items and authorized inquiries, listed below, to be removed or corrected from my credit reports. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items and authorized inquiries that concern me : DPT EDXXXX XXXX Balance {$740.00} DPT ED/XXXX XXXX Balance {$530.00} XXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX NORTH XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2022-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Consumer complaint received 2022-08-08
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. (GA)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion needs to fix the issues about the inaccurate information for the account and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and account that I am disputing : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (IL)

I learned that there was a new collection account on all three of my credit reports from Convergent Outsourcing with an open date of XX/XX/XXXX, amount of {$910.00}. The original creditor was XXXX XXXX. This can not be mine as XXXX XXXX does not service my local area in Illinois. I have never received any type of communication from either XXXX XXXX nor Convergent before this was added to my credit report, which violates Federal Laws, and still have not received any communication from them to this date. 

Also, I have had other collection agencies try to collect a very similar debt in the past which has always been deleted from my credit reports. If this is the same debt, Convergent has violated the Fair Debt Collection ( FDCPA ) and FRCA laws as this is Debt Parking. 

Because of this, I was unable to obtain a mortgage in XXXX of XXXX, that I put an offer on. I am very upset about this.
Consumer complaint received 2022-07-07
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America closed my checking account. When I tried to reach out to them several times from XXXX XXXX they only gave me a response saying it was a business discussion, thats all the information you can provide you. Recently before that in XXXX I was at a park playing basketball when my phone & Wallet where stole. The Thieves somehow managed to access my card & went to an atm & withdraw {$1500.00} dollars out of my account, I dont Know the exact day but it was in middle XXXX. I have an XXXX so I was able to track my phone & recover it but not my wallet with my information, when calling Bank of America to report my {$1500.00} dollars missing I had to file an dispute in which they provided a temporary credit but eventually overturned it. When I talk to someone about why it was overturned I was told by an Bank of America employee on the phone that you claim was denied because our ATMs team member who viewed the footage says the person seen in the video looks like you withdrawing the money which to me was very offensive because I know if they looked at footage on any other day they would see a totally different person then the person who took my money. With that information that led me to know the suspect who stole my phone & Wallet was an XXXX XXXX because I myself am. There was also another dispute I filed from my checking account with them for {$2500.00} dollars that the same person transferred to XXXX XXXX from my account when they had possession of my phone. When I filed that dispute they didnt offer me a temporary credit they told me I needed to fax a police report & which I had and a hand written letter explaining the chain of events in which I did. weeks later no response when I called and spoke to someone they say my information was never received somehow they provided me with the old fax number the first time I have to re fax the information & my account was in the process of closing Ive been dealing with this situation since XXXX I finally got my credits in XXXX of XX/XX/XXXXXX/XX/XXXX& XX/XX/2022 but due to them messing up my consumer credit report no bank will approve me because of their false accusations.
Consumer complaint received 2021-11-08
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. (TX)

This account was used by a relative whom I didn't loan the card to and needs to be taken off of my credit report. 
XXXX XXXX TransUnion XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Credit Card Bureau Code : Individual Account Status : Derogator Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} No. of Months ( terms ) : XXXX High Credit : {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} Past Due : {$660.00} {$660.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber. 
Unpaid balance reported as a loss by the credit grantor. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-08-08
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. (PA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX**** Balance {$13.00} XXXX XXXX Balance : {$78.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2021-12-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION (MI)

In XX/XX/XXXX I financed a car with Credit Acceptance. In XX/XX/XXXX Credit Acceptance repossessed and sold my vehicle without allowing me the opportunity to redeem it. They never sent me any information to my home address, any alerts to my emails or phone calls. They sent letters to an address that Ive never lived at or associated with. Per US CODE, they are required to allow me the opportunity to redeem my vehicle. They did not. In fact, they sent documents to an address that I never lived at. After I submitted XXXX disputes directly to them, they sent me copies of a letter they sent to an address that never belonged to me or Ive lived at. They did not alert me at all. They violated my rights as a consumer.
Consumer complaint received 2022-01-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (OH)

issues with PayPal and one XXXX XXXX. A little background is in order to help you understand the situation. In a long distance relationship with XXXX who is overseas. Money sent to PayPal which I then transferred to my bank account. When it cleared, that was sent to XXXX via XXXX. 

The money was to help her get home and cover hospital bills. XXXX added comments that it was for goods and training. Not the case, which he knew. After a month lodged a complaint demanding refund. The amount, and case # attached. 

XX/XX/2021 {$3000.00} # XXXX {$840.00} # XXXX {$250.00} # XXXX {$250.00} # XXXX {$160.00} # XXXX PayPal ruling in favored of XXXX. Issuing refunds. Why do I think it's a scam or fraud? He misrepresented the transactions. The email he provided PayPal, XXXX, does not exist.
Consumer complaint received 2022-08-08
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts which do not belong to me or were opened without my permission. 

EXPERIAN : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX ( XXXX XXXX : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4400.00} XXXX XXXXXXXX XXXX XXXX Creditor : XXXXXXXX XXXX XXXX  XXXXXXXX XXXX ) XXXX : {$460.00} XXXX : XXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX ) XXXX Balance : {$110.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX ) XXXXBalance : {$460.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX Balance : {$580.00} XXXX : XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXXBalance : {$460.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Fair Solution Due negligence of Credit Bureaus. block this data from my credit report, pursuant to section 605B of Fair Credit Reporting Act and send the necessary warning to all furnishers of this data.
Consumer complaint received 2022-01-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAND HOME FINANCIAL SERVICES (FL)

My loan with Land Home Financial Services. I went in forbearance last year but I made my payments until I was told that I could stop and came off forbearance on my own by starting to make payments before forebearance was removed. 
Meanwhile, I had passed my XXXX months PMI required minimum period and my house value went up a lot. Even with the silent second, I am at 65 % XXXX. 
I had requested several times to have my PMI removed. The customer service shows that I had late payment, which I didn't, and therefore my PMI removal request was denied. Eventhough the PMI was supposed to be removed based on XXXX alone. 
The loss mitigation department confirmed that I was never late. They sent it couple times to escalation and nothing happened. We received an email from XXXX XXXX on XX/XX/2021. I emailed him twice for update and no reply. His voicemail is always full. 
I am being charged unfairly $ XXXX and it doesn't seem like anyone at LHFS cares or willing to do anything. I have sent them a copy of my professional appraisal that I paid {$500.00} for and they didn't even bother look at it or recognize that they receive it.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (TX)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2021-11-08
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: Experian Information Solutions Inc. (CT)

Experian constantly reports incorrect information on my report. It is always late with accurate reporting and there is no reason for my credit to consistently drop an average of XXXX points a month, only with experian. Is there anyway to hold Experian accountable for this constant inaccuracy? The only thing that seems to have caused this is when I got rid of Experian 's product, which was the boost. This can not be a normal business practice for someone that has an excellent payment history and utilizes barely any credit.
Consumer complaint received 2023-09-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY (LA)

We have joint account and we went to the branch in same time to close XXXX of the account holder in order to remove her from the account on XXXX XX/XX/2023 and till now the account open, we make complaint but no response
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Law Office of Monica Guilarte LLC (GA)

I have been trying to get assistance with this matter to no avail. XXXX XXXX is erroneously reporting this as collections on behalf of XXXX XXXX. I have contacted XXXX XXXX directly and am not able to get assistance because they show the account is with Legal and informed me that I needed to speak with Monica Guilarte Law Office directly. Monica informed me that she does not handle collection/credit reporting matters during our mediation with the XXXX XXXX XXXX when the dismissal was granted. I am not able to get to the right person to assist with ensuring that my credit reporting is updated and credit bureaus are not aware of the status. My rental history is showing a negative report by XXXX XXXX for {$3500.00} as of XX/XX/2021. XXXX XXXX is not able to assist and all connected parties are directing me to the other. 


Payments on the stipulated amount of {$2600.00} are being made directly to Monica Guilarte. Can someone please assist with confirming the receipt of the documents that were filed with the courts and that this is no longer in collections with XXXX XXXX? I reached out to Monica 's office today and spoke with the receptionist who advised that XXXX  will be contacted and that I should follow-up. This has been the update given before with no change in status of my account. Please assist with reviewing the attached documents for the needed updates to be made. 

I am being denied housing because of the erroneous information being reported by XXXX XXXX. This was not an eviction and the stipulated amount is based on corrections being made due to erroneously being charged by XXXX XXXX and XXXX XXXX. 


Many thanks, XXXX XXXX
Consumer complaint received 2022-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax is reporting my name including the suffix Jr. I have mailed letters, faxed and called for several months. I have sent all requested documents and they continue to not report my name accurately. I have sent government ID, social, etc