davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-04
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. (IL)

An account ( XXXX XXXX XXXX ) was removed from XXXX and XXXX but has not been removed from TransUnion. I have disputed this over XXXX times explaining to them the reasons and explaining that it was removed from the other XXXX bureaus. Because the other XXXX removed it they were supposed to but that has yet to happen no matter how many times i have disputed and requested through the dispute that i would like paperwork and information on the account from the creditor and they refuse to give information that validates the debt. Transunion is aware and have also requested information regarding the debt ( proof of repo and sale ) but they have not provided the information to TransUnion. Because they are refusing to cooperate with myself and TransUnion I am asking that TransUnion remove the account just like XXXX and XXXX did
Consumer complaint received 2018-01-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In XXXX of 2017 I disputed an inaccuracy on my XXXX credit report that was made by PORTFOLIO RECOVERY. I requested numerous times for them to provide validation of the debt they 're reporting on my credit report and they have failed to do so. They only respond that the reported information was valid but could never show me validation. This is tarnishing my credit worthiness and I need answers.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a secured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a secured credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a unsecured loan account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} under the account number XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX balance of {$470.00} under the account number XXXX, and a collections account opened XXXX XXXX on XX/XX/XXXX XXXX a balance of {$580.00} under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Hard inquiries consist of XXXX XXXX  XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX opened on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened a student loan in XXXX 2013 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$6900.00}????
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-11-04
Product: Credit reporting 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. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2018-01-14
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. (NJ)

On X/XX/18 Equifax raised my score six points, On X/XX/18 Equifax decreased my score six points. Equifax states that I hace used 250 % of my credit. Balance is just XXXX on a XXXX XXXX with credit line of XXXX Doing the math, it does NOT make sense. The credit line Utilization is only 4.5 %. I have been trying to contact them via internet dispute and phone calls. No success. Equifax have not been reporting my scores accurately and hurting me in the sense I am being senies credit. I ask, to contact XXXX XXXX and all the Proof is there. Dates,  Account balances. I demand for ALL my credit be reported accurately according to FCRA secrion 609.. And also ask Equifax to fix their wwbsite dispute page that doesnt work. I understand that under FCRA, Equifax has 30 days to respond to this dispute/claim. My Fico score should be above XXXX and Equifax is keeping me down. The proof is there. Equifax needs to contact XXXX XXXX and correct the issues and report correct info on my profile. 
Thank you XXXX
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In Approx Mid XXXX through XXXX I experienced identity theft. I reported the fraudulent activity to XXXX XXXX ( employee ) who I was directed to. The meeting was approx XXXX hours and I was told I would receive a refund once the appropriate actions by the bank were taken. He opened new accounts, new cards and told me I would receive the refund within XXXX days. He left the other accounts open that had the fraudulent activity open. After XXXX or so days I was still experiencing identity theft now in the new accounts. Money was being transferred all over the personal and business accounts, credit cards of mine being overdrafted and redirected. I lost all control to my passwords and online access. No matter what I did I could not stop it. I told the teller to look up the status of my refunds and she told me there was no record. I asked to speak to XXXX XXXX and she notified.e he had quit. I asked to talk to his boss and he had quit also. The new account manager attempted to help me but was unsuccessful. They gave me corporate numbers and I made the best attempt I could. Hours of phone calls and hours of communication did not stop it. Police reports were made for an individual who attempted to fraudulent cash a check. Police report was made for the business of someone attempting to process a credit card after the store had closed. The business closed XX/XX/XXXX. After losing the business and my income, not understanding why this could not be stopped, I committed a crime and was incarcerated until XXXX. In XX/XX/XXXX there was a police report for the business XXXX XXXX XXXX of an unauthorized attempt to process a credit card. There was also account activity until the end of XXXX. I had lost all access to my accounts and it was extremely frustrating and depressing. No matter how many times I told the bank, had new passwords, new cards, issued, I would lose access. After reviewing statements, check copies, transactions, I believe some sort of organized crime is related. All my efforts for this to be resolved have gone unentertained.
Consumer complaint received 2018-01-14
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Fort Payne Finance Co. Inc. (AL)

XXXX came to the XXXX I work at and I wasn't there. The owner told him where I lived so he came there and i told him I would come talk to him. I did and we refinanced the loan. The owner of the XXXX  told me she didn't like him coming or calling her so I blocked him from her phone. Both XXXX  personal cell and business phones. I got behind on both loans again and he came back to the XXXX while we had customers and sat in the waiting area and I had a customer so I ask him to step outside. I told him not to ever come to my job again. It was embarrassing to me and the owner. He threatened to take my car even though my loan isn't thru him. I had been asking him for a year to combine both loans so I would have 1 payment instead of having late charges on both loans and refinance charges on 2 loans. He finally said they would do it. So i told him that my lawyer and i would come talk to him. He told me i didn't need my lawyer for this. And he would lower my interest rate and all kind of lies. I know a lady personally that was the manager there and when I told her this she said the rate is automatically computed in and can not be changed by anyone. ( I'm also told that when they refinance your loan they keep the difference in the early payoff amount and the actual amount. ) I ended up working the day I told him I would come in. My electric and water bills had to be paid. He came back in the XXXX a month or so later and we had several customers again so I sent him a text and told him I couldn't talk to him bc I had customers and I would be done at a certain time and would come talk to him. He told me hee want there to talk to me anyway and went to the owner and told her he would like to talk to her and his number had been blocked and that she needed to call him. And gave her a card. I ask him why he needed to talk to her and he ignored me. I told her to throw the card away she didn't need to say anything to him ... I contacted a lawyer and she told me he was violating my rights add I could sue them but I let it go. I've started working for the XXXX XXXX and now they are threatening to garnish my wages and I'm within my 90 days and cam be fired for any reason. I need them to stop harassing me. Please tell me what to do. I do have the messages from XXXX and witness to all of this.
Consumer complaint received 2018-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc. (MA)

I recently noticed that I had a derogatory mark on my credit and had no idea why. If you look at my history, it 's pretty much perfect and my credit score is very high, with the exception of this derogatory mark bringing it down. 

After research, I see that I have a bill owed to a company called HP Sears, which I 've never heard of. They have never contacted me, then have never talked to me, and as far as I have been aware, I did n't owe them any money at all. 

However, I do believe I know why they are coming up in my report : A few years ago, I went into a walk-in clinic named XXXX XXXX XXXX with some XXXX XXXX and when I walked in, they assured me that they accepted my insurance and that a consultation would only cost me my co-pay. 

7 months later, they sent me a multi-hundred dollar bill claiming that my insurance did n't cover the consultation and the medicine that was administered. This is after they told me that it did. If I had known that XXXX XXXXXXXX was n't covered by my insurance, I obviously would have left and found a place that was covered by my insurance. 

When I spoke with XXXX XXXX from XXXX XXXX XXXX on the phone about this he was hostile, and called me a liar - saying that his staff never told me I had coverage. This is not true. I maintained that I did n't agree that I should be charged for the visit, and he was so unprofessional that I hung up, and never heard from him again. There was never another letter, phone call, email, from him or any collection agency at all. So, I assumed he had realized that they had made a mistake and removed the bill from my account. 

But it looks like maybe not, because now, years later after researching my credit reports I see that there is a collection agency that now has this bill, and on top of it all they have *never* contacted me. 

I have n't done anything to deserve a derogatory mark on my credit and I want it to be removed.
Consumer complaint received 2018-01-15
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. (NY)

There is an account that was added to my credit report fraudulently that does not belong to me and all 3 companies were made aware. The account is XXXX last reported XXXX XXXX and it says it was opened on XXXX says original creditor is XXXX and that {$1700.00} is owed. This account if fraud and does not belong to me and I want it removed at once. Police have been notified as I am a victim of identity theft for over 8 yrs now. Please enforce this account be removed as it is fraud and does n't belong to me.
Consumer complaint received 2024-11-04
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. (AK)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX  Account Number : XXXX XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-11-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

OWR NOTICE OF ERROR 524 Injunction : Bank of America per the enclosed exhibits did not adjust my mortgage on the agreed date to be compliant with the court order reaffirmation agreement. BAC kept sending me statements with the original loan amount and payment. I was making the required reaffirmed payment after the agreement was signed only to have BAC escrow the payment and not apply them. In XXXX Bank of America transferred the loan to XXXX. XXXX began the servicing rights with the incorrect balance incorrect monthly payment and a forced placed insurance policy added to the loan by Bank of America which was purchased during the federal stay was still on the property and the plicy debt being asked for by Bank of America and now XXXX was not petitioned to be in the bankruptcy plan making that debt discharged.. XXXX was notified by Mr XXXX in XXXX when XXXX sent out the transfer notices with the original note information that the loan data was incorrect. XXXX did not comply with the agreement until XXXX when finally XXXX corrected the loan in XX/XX/XXXX. XXXX at that time was still listing a insurance debt owed from Bank of America and now because of Bank of Americas actions to create an escrow account for the insurance and taxes XXXX began placing coverage on the property in the amount of {$150000.00} even though the loan balance was only {$35000.00}. XXXX refused to adjust any monthly statements to reflect the correct reaffirmed debt. This was a a 524 Injunction violation of the plan. XXXX filed a foreclosure motion in XXXX the foreclosure where the case was not heard only stamped by the judge. The docket of the foreclosure case states that I never paid a payment after the reaffirmed agreement now XXXX has acknowledged that I had made payments and that BAC had not been compliant with my Bankruptcy plan. XXXX has now acknowledged the reaffirmation agreement for the loan cost on payoff statements but is still demanding payment for the forced place insurance bill that was created while the property was under a federal stay. This is attempt to collect discharged debt and a 524 Injunction violation of the Bankruptcy plan.
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (TN)

Total disputed amount on XX/XX/18 XXXX XXXX XXXX. ( BBVA compass ) Got a response today stating that " no error occurred '' however the transactions were fraudulent and I filed a police report already with XXXX police Dept and provided XXXX XXXX, with that documentation. And they still declined my claim, and refuse to reopen my dispute. 
I will contact the fdic too if I have to.
Consumer complaint received 2024-11-04
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)

The presence of these inquiries and accounts on my credit report violates 1002.142 ( b ) ( 4 ) - ( 5 ) and 1002.142 ( b ) ( 7 ) which goes against the XXXX-Debt XXXX Final Rule. 

ACCOUNTS : Chapter XXXX Bankruptcy XXXX INQUIRIES : { Inquiry name - Inquiry date } XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX SUN XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-01-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TD BANK US HOLDING COMPANY (FL)

I feel i should be credited the {$25.00} i used to open this account. I am a struggling mother that was trying to get a loan so that i can manage to pay my bills until i am back steady. Now that i gave my information to a fraud lender thinking that i was going to get the loan, being that it was my first time applying for a loan online, I owe TD BANK over {$500.00} and that is money i dont have right now to even pay try to pay back. You can already see i was trying to get a loan to pay other bills. I was contacted by a fraud lender, told me i was approved from XXXX XXXX XXXX for {$10000.00} told him i only needed {$3000.00}, proceeded to tell me to go open a new checking account because my XXXX XXXX account was too overdrawn. So i opened to account with TD BANK and from there everything went down hill i didnt here from this fraud lender after i gave him my online banking info.
Consumer complaint received 2018-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I opened a student loan in XXXX 2011 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8600.00}????