davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/XXXX I consumer, XXXX wrote to TransUnion Consumer Relations regarding 9 hard inquiries that I saw that appeared on my consumer report that I did not authorize. This direct dispute letter was sent via USPS on tracking number XXXX XXXX XXXX XXXX XXXX and shows it was received on the XXXX of XXXX at XXXX. TransUnion made no effort to investigate and remedy the issue because I got a generic automated response stating that everything is reporting correctly. TransUnion did not provide how they investigated this issue and who confirmed that it was correct. TransUnion as a consumer reporting agency is not compliance with FCRA 15 USC 1681 to make sure that all information that is reported on my consumer report is correct and validated. TransUnion is to withhold disclosure of my consumer report information to creditors unless I consent which I DID NOT for these nine inquiries I am referring to. At this point I am ready to file a suit in federal court to get my voice heard because I am tired of the automated responses that they have in place for when I. As a consumer I am entitled to receive damages up to {$1000.00} for each of the nine items for any FCRA violation, whether the violation was intentional or not for each of the items that I am disputing. 

I am attaching the letter that was sent which has all the nine inquiries that I am questioning.
Consumer complaint received 2022-04-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NY)

On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-01-05
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2021 I received aa email from a collection company stating that I owed {$160.00} dollars on my Kohl 's credit card. I had never received a statement from Kohls indicatiing that I owed them. I first used their credit card on XX/XX/XXXX for a pearche of {$140.00}. I made the payment on XX/XX/2021. On XX/XX/2021 I purchased {$37.00} for slipperes.However, they had charged me late fees and interest amounting to a balance of {$88.00}. Again not receiving any statements they kept adding late fees and interest to the balance. When I received the email from the collection agency, XXXX XXXX,, the balance was now {$160.00}. I called them the same day and asked what this was all about, they told me about the Kohls credit card amount. I argued for along time and they brought the amount down to {$51.00} which I paid at that time. 
Issue-My credit scores have dropped considerably due to this being on my credit report. 
I feel this is wrong and would like to have it be removed from my report.
Consumer complaint received 2022-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: OPORTUN FINANCIAL CORPORATION (CA)

An unknown individual that lives at XXXX XXXX XXXX XXXX in XXXX CA XXXX on space # XXXX has used my social security to get an installment loan from Oportun on XX/XX/XXXX and XXXX canceled it on XX/XX/XXXX after the unknown individual had stolen {$5400.00}. I noticed of this theft today after signing up for XXXX to check my credit score. I also noticed another highly impactful XXXX credit card that was NOT taken out by me from XXXX XXXX for {$1400.00} on XX/XX/XXXX, these are two out of fifteen loan/credit cards this unknown individual stole from these companies under my social. These actions have impacted my credit score to sink. Every loan after XXXX on my credit score was a fraud, the only credit cards I have ever taken out myself were XXXX XXXX on XX/XX/XXXX and from my job XXXX on XX/XX/XXXX. Everything after XXXX was NOT me I would like help with this crime committed on my credit please!
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-01-05
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. (NJ)

XXXX XXXX XXXX Last reported XX/XX/XXXX {$230.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor ... ... ... ... ... ... ... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$790.00} Open balance XXXX XXXX FOR XXXX XXXX XXXX Original creditor ... .. .... .... 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$350.00} Open balance XXXX XXXX Original creditor
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AR)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2022-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (IL)

Hi, My Name is XXXX XXXX And I would like to report an unusual act with a credit card company! 

I applied for services that help increase credit building. I jsigned up and was approved for a secured card called Milestone gold/ Genesis fs card with a deposit of 125 dollars, With an approved amount of 500. 

My card came in the mail around about XXXX sometime and I ordered some items because my son and fiance birthdays were coming up and I wanted to buy gifts. 

I paid the amount back right away a few days or maybe it was the next day, However on line. 
And everytime I paid the full payment, the company kept reversing the money back And with out it ever showing up on my account. 
I even tried other ways by calling on the phone paying it through the automated machine, And as always it seems to be going good except the payment is always reversed back and eventually ruining my credit and constantly reporting it to my credit. 

After months of just humiliation, I was able to call and speak to someone because before I called someone mentioned that they aren't able to take payments over the phone only online or automated. 

So I didn't understand that when I called this time and I addressed my concern and the person took my payment, stating that the money has ro be reflected on the account at least 14 days prior in order for the payment to be processed. 

But this day it went through less than 48 hrs, Then they send me a letter saying the company has made a decision to process my payment differently from the other customers as if I am so much better than the rest of the people. 

I only wanted to pay them back, And received all this havoc and kids dealing with this company. 

I can't say, I am Happy! 

I believe that this is a fraud matter!! 

Thank you!!
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXXXXXX 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 2020-07-29
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (MO)

I have attempted since XXXX of this year to rectify a payment/ property tax issue. I paid my property tax on my current lease and the money was put onto an old lease that I hadn't had for two and half years. In XXXX Kia Finance showed I owed the property tax on my current lease. I tried to get them to transfer the funds from the old closed out account to the new one. They have not done it. And also, it showed on one of my statements that the amount owed was past due, which is was not because it was paid and put on the wrong account. For fear of the " past due '' amount going to collections I paid it. So, I've paid my property tax twice. They continue to tell me I will be getting a refund for the overpayment but will not send the money. This has gone on for months with them telling me I will get a refund.
Consumer complaint received 2020-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION (MD)

For four-five months in XXXX, M & T reported two-year-old ( XXXX ), less than 90-day, non-charge-off delinquencies that have affected my credit rating. According to law, unless these were charge-offs, they should be removed. Even though the payments cited doubled in amounts and the time-frame included the time I requested a forebearance, each monthly payment was paid in two installments within 30 days. This is evidenced by greater amounts paid than requested in some months because of how they reported the payments. 

The payments were recorded incorrectly as delinquent when they were paid within 30 days.
Consumer complaint received 2023-07-20
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. (NC)

I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.
Consumer complaint received 2022-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXXederal 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 2022-02-11
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/XXXX, of this year I sent in a letters to XXXX, XXXX and Equifax about incorrect items on my credit report. Due to these incorrect items on my credit report. I have been unable to obtain credit or get a new job. This incorrect information reporting has harm my life and credit. It has been 30 days without a response from the bureaus. According to the law their suppose to reply within 30 days which they have not.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Neon Newco Corporation (VA)

I received a Netspend XXXX card that I did not order. I called multiple times to report the card as unsolicited and make sure any account is flagged. Automated system -- no way to get to a human that I found. All roads lead to me activating my card or giving up my Social Security number.
Consumer complaint received 2019-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (PA)

On XX/XX/XXXX this company contacted my place of employment and left a message on a co-workers phone. I feel that this is a violation of my privacy. First of all if they were to continue calling this person that person would have to start to wonder what's up. 

I have as of today XX/XX/XXXX. Left them a message to no longer call my place of employment. 

This debt is now being negotiated by XXXX XXXX. 

I had tried to make good on the payments and am now unable to do so hence why XXXX XXXX was contacted. 

They contacted all of the companies put into the program but Mariner Finance is the only one who called my employer and left the voicemail. 

XXXX gave me a safe number to change as my contact info. I did this for all the creditors but Mariner Finance is the only one ignoring it. 

I know original creditors have some leniency but in the case of leaving a message on someone else 's voicemail at work is or at least should be a violation regardless of what the message said.
Consumer complaint received 2021-10-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ridge & Valley Realty, Inc. (CO)

I have a bill from Credit Systems Inc that should not be owed and the collection agency will not cancel it and is threatening to put it on my credit if I dont pay it. 
I had XXXX with an in network doctor in XXXX. I got a bill from some out of network provider that the surgeon called in to assist. The claim was originally processed as out of network and applied to my out of network deductible. The provider told me to appeal so I did. The claim was reprocessed to pay an in network rate of {$160.00}. The provider will not write the balance off and has sent me to collections, and the collection agency is threatening to put it on my credit if I dont pay it. 
# 1 : I did not sign anything agreeing to receive these services and there is no agreement between me and this medical provider. I have requested a signed consent to treat form agreeing to these services. XXXX  XXXX XXXX XXXX XXXX says I did not sign a specific form with XXXX  XXXX XXXX  XXXX XXXX, they said its just a general informational form that the hospital gives you and does not have a signature on it. I did not agree to these services. 

# 2 : I live in Colorado but my Insurance homeplan is a TN plan ( Human resources is based out of Tennessee ). There is a law in Colorado prohibiting balance billing when an in network doctor requests out of network services. I sent in my written dispute along with the Colorado statute. The provider/collections wont honor it because my plan is a Tennessee plan and they say it only applies to Colorado plans XXXX I then researched and found that Tennessee has a similar act prohibiting balance billing and sent that info in along with another written dispute, but the provider/collection agency says because services were rendered in Colorado, the Tennessee law doesnt apply to me either. I am exasperated and beside myself here. I dont know what to do. This is not fair and I should not be held responsible for this balance but no one will help me. The collection agency wont budge and says they will put this on my credit if I dont pay it. I have submitted another appeal today with my insurance but dont think its fair for collections to ruin my credit when there are laws protecting consumers from this exact thing! How do none of the laws apply to me?
Consumer complaint received 2021-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WA)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX advising me that, " we have not received the XX/XX/2021 payment. '' " Failure to remit the payment ... could result in late fee assessment. '' On XX/XX/XXXX, US Bank sent an email from XXXX stating the same. I responded with a screenshot of my US Bank account showing that AutoPay is ON. 

On XX/XX/XXXX, I discovered that XXXX is not monitored by humans. I emailed the following US Bank humans for assistance : XXXX XXXX, XXXX, XXXX XXXX XXXX ; XXXX XXXX, XXXX of Loyalty ; and XXXX XXXX, XXXX Customer Experience. 

On XX/XX/XXXX, I have received no response. I advised XXXX, XXXX, and XXXX that due to their inaction, I would feature them in this CFPB complaint.
Consumer complaint received 2021-10-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I got a call from AmeriSave the morning after I talked to my mortgage lender and acted like he was working with him. I proceeded to give him my information thinking he was with guaranteed rate. After telling him what happened he still proceeded to try and sell me. I then looked at my account realizing that XXXX dollars was taken out of my account for an application fee. I dont know where he got my information from in the first place to call me. I tried to get a refund but he is refusing and is also refusing me of talking to his supervior. I received the phone call on XX/XX/XXXX then realized what happened on the XXXX and try my hardest to put a stop to it he is still emailing me today.
Consumer complaint received 2022-03-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with TransUnion which resulted in a negative item being removed from my record. Within days my score dropped XXXX points. I contacted TransUnion and was told that a score would not drop after a negative item was removed. I was told repeatedly that it was due to another item that was reported in 2015. Not only did this explanation make no sense, it states clearly on the credit explanation that my score dropped after the negative item was removed.
Consumer complaint received 2022-04-06
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I am submitting this complaint against Equifax for reporting inaccurate information on the listed accounts below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me XXXX XXXX XXXX XXXX Additionally, the accounts were already closed and the banks have agreed to remove the accounts from my file. I need EQUIFAX to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the removal of the items. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX