davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am filing this complaint because TransUnion has failed to conduct a reasonable investigation into disputed negative items on my credit report, including bankruptcy, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I mailed a dispute letter to TransUnion regarding inaccurate negative items on my credit report. In my letter, I requested specific information on how TransUnion verified the disputed accounts, including : The date they contacted the creditor Contact information for the creditor Name of the person who verified the item Method of communication used to verify the information Whether the creditor provided my Social Security number, address, and date of birth for verification To ensure proper verification of my identity, I included copies of my proof of identification, my Social Security card, and a recent utility bill. However, I received a response from TransUnion dated XX/XX/year>, stating that they would not process my request because it " didn't appear that you or a properly authorized third party sent it to us. '' This is inaccurate, as I personally submitted the dispute with all required documents. 

Under the FCRA, credit bureaus are required to conduct a reasonable reinvestigation if a consumer disputes the accuracy or completeness of any information in their credit file. TransUnions refusal to investigate my dispute, despite receiving all necessary documentation, constitutes a violation of my consumer rights under the FCRA. 

The disputed items include : Negative payment history and additional inaccuracies that TransUnion failed to properly investigate. 
Bankruptcy : The information regarding the bankruptcy is inaccurate and incomplete. 

I am including copies of my original dispute letter sent to TransUnion on XX/XX/year> and TransUnions response letter dated XX/XX/year>.
Consumer complaint received 2024-08-27
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: Experian Information Solutions Inc. (NJ)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Consumer complaint received 2021-05-09
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have a title loan I have been trying to p ayoff for a week.loanmart has taken 3 payment via my bank account ach.1st payment XX/XX/XXXX for XXXX XXXX XXXX XX/XX/XXXX and XXXX on XXXX XXXXOn XXXX XXXX I had a long conversation with there associate XXXX he spoke with the supervisor.They agreed to take a XXXX payment to payoff loan on XXXX XXXXWhen XX/XX/XXXX came around they called me and told me there system wouldn't take the payment and told me I would have to wait 21 days to make final payment. I made.it clear I wasn't gon na pay there daily interest on this account for 21 days.We had an agreement and they lied.I then Spoke to there supervisor who told me they would run the payment XX/XX/XXXX she said the next day.Well I never heard from anyone.I don't feel I should have to pay the interest since they failed to take care of there agreement.They also tell me this is there policy on billing the bank ach 21 days but funny they charged my banks 3 times in 3 days so this is another lie.They have refused me the right to pay my loan off and in the process during this so called waiting period want me to pay interest. And I have refused .All I heard from the supervisor is I talked to the other Depts nothing I can do.This is wrong all I wanted to do is pay my loan off.Both my wife and I are XXXX and I had a family member pay this off for me.I don't need to be treated like this. Thank You
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (GA)

SST/XXXX is erroneously reporting debt on my credit file. I had a charge off with them that had been settled in XX/XX/2015and now they are reporting a balance on that charge off? I never received any notices or calls about this debt and it should not be reported to my credit file as i have settled my debt with them. I have attached a clip from my credit report where you an see this account and that i do not owe them any debt. I need it removed from my credit file.
Consumer complaint received 2024-08-31
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. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX I'm unaware this debt. I did not receive proper notification to be allow to dispute this debt. 
Please provide certified mail with a receipt bearing my signature. If not please remove asap.
Consumer complaint received 2021-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc. (GA)

Because the US laws changed I was required to transfer all of my cryptocurrency from Binance to Binance us. On XX/XX/2021 I transferred XXXX XXXX but accidentally forgot to add the memo so my coins went to Binance us but did not make it into my account. The same day I created a ticket with their customer support ( because there is no phone number or live chat to contact ) asking to return my coins. It took 51 days and a complaint to the California attorney general to even get a response to my ticket. I provided them with the requested information and then on XXXX XXXX I received an email stating my money would be returned ASAP. I followed up with the company 10 days later and on XX/XX/XXXX again received the exact same email stating my money would be returned ASAP. It has now been XXXX XXXX months and I still do not have my money. At todays price my XXXX is worth over {$2500.00}. This company is stringing its customers along and keeping their money. I feel like this is theft at this point. Please help.
Consumer complaint received 2021-05-10
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. (DE)

I sent certified letters to the three bureaus and they have neither responded nor verified the items from my report. Here are the items : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX.
Consumer complaint received 2021-05-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (NJ)

In late XXXX XX/XX/2021, I was alerted to a negative remark on my credit files with the XXXX bureaus. I reviewed the reports and discovered that a company by the name of " Sunrise Credit Services '' had put a derogatory remarks that I owed them a debt. They are a debt collection agency. 
After much trouble, I was able to contact them over the phone to find out what the debt was about. This was on XX/XX/2021. They informed me that I had debt from XXXX XXXX XXXX ( which I do not recognize ). When I asked why they never contacted me before, the Sunrise representative informed me that they had been sending letters. When I inquired what address they have on file, it turned out to be an incorrect address!! 
I gave the representative the correct mailing address and email address to share with me the information about the debt and the process to dispute the same. 
They have not shared this information with me to this date XXXX almost 2 months XXXX, but now keep sending me " debt settlement '' plans via email. I am attaching this document with complaint as this is the only reference I have. 
The derogatory remark is still on my credit files and I need to get this resolved asap.
Consumer complaint received 2021-05-08
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (OH)

My name is XXXX XXXX my husband gotten a VA loan 30 years ago, he passed away in XXXX I paid my mortgage faithfully for approximately 30 years then I had to refinance it when he passed away, well it was sold the mortgage from XXXX to Bayview mortgage company I fell behind on my mortgage because I was hospitalized during the XXXX outbreak, then my mortgage was sold again, to new mortgage company I called talked to them and they had me fill out paperwork for basically to take payments I was behind on and put it in the backend of the loan I was told, ,well fee months later I find out they sold my house out from underneath me, now I'm basically homeless, I was told many things by the new company and never happened,, especially when I was hospitalized during the XXXX outbreak, is there anything I can do I tried everything but no help from anyone, sincerely mrs XXXX XXXX ,my contact number is XXXX.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX How many times do I have to contact your company about the same fraudulent inquiries? I have called, mailed, and did multiple complaints, and provide my FTC report and still the inquiries remain. This is a against the law and is causing a great deal of stress to me as a consumer. Remove these inquiries immediately. 

XXXX XXXX XXXX XXXX : XX/XX/2019
Consumer complaint received 2024-10-01
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (NY)

On XX/XX/XXXX I wired {$2000.00} to family member in XXXX from a td branch. I paid {$50.00} for the transaction which brings the total to {$2000.00}. When I checked on the status on XX/XX/XXXX, i was told it had been processed and sent. The recipient never received it. On XX/XX/XXXX, XXXX was returned to the account with no explanation. I contacted the bank, i went to the branch, no one seems to be able to assist me. Apparently, TD sent only the equivalent of {$1800.00} the receiving bank in XXXX rejected the transfer because it was incorrectly noted as {$2000.00}. I have attached these receipts. The agent who helped me on XX/XX/XXXX did his own exchange and incorrectly noted that the exchange rate was XXXX XXXX for {$1.00}, when it should have been {$88.00}. TD deducted XXXX from my account and they need to make me whole for the remaining portion that they deducted and did not send and therefore could not be returned.
Consumer complaint received 2021-05-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc. (CA)

I opened an account on Binance and then on BinanceXXXX there is XXXX in cash on BinanceXXXX and I have been unable to withdraw it or use it on the platform. 

XX/XX/XXXX : Opened account on XXXX whilst traveling internationally ( in XXXX XXXX XX/XX/XXXX : Sent virtual currency XXXX XXXX XXXX to Binance to purchase other virtual currencies XX/XX/XXXX : Opened a BinanceXXXX account at request of app because of my location being in the XXXX XX/XX/XXXX : Submitted documentation for basic identity verification XX/XX/XXXX : basic verification was successful XX/XX/XXXX : Submitted documentation for advanced verification XX/XX/XXXX : Submitted support ticket ( # XXXX ) t to find the status of my account. Received an email stating that my application is going to be reviewed in the order it was received. 
XX/XX/XXXX : Submitted another support ticket XXXX # XXXX ) and immediately received an email stating they are working through a high volume of tickets and that I should not create anymore tickets because it will result in longer wait times.
Consumer complaint received 2021-05-08
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. (SC)

I have not received a free credit report from Transunion despite my request. Each time I try to start a dispute online, I am told the website is having technical difficulties. The former is reasonable when its a day but two months? Also, there are two accounts paid in full that show collection derogatory. I can not file a dispute because the website does not permit. When I call, the wait times are unreasonable. Also, when I try to file a dispute it requires consent to contact creditor and informs me my dispute may cause them to discover additional information. They was the consent request is written the intent is to i consumers from filing a disputewhich they can not on the website because they are having technical difficulties for months now. 

It would not be a big deal if they updated my report more than twice. But, its hindering me because we are trying to buy a house.
Consumer complaint received 2021-08-03
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: CITIBANK, N.A. (NY)

XX/XX/2016 {$400.00} Account # XXXX I have placed a fraud alert on my credit as well as filed identity theft. This account was not done by me. Please remove this from my credit report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX and TransUnion added an account back to my credit report that had been removed a few months ago. By doing this, they violated the Fair Credit Reporting Act ( FCRA ). They failed to notify me within five business days of the reinsertion, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), and did not provide proof of accuracy, as mandated by 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Since this account was opened without my consent and is linked to identity theft, not removing it is a violation of 15 U.S.C. 1681c-2 ( a ). Additionally, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX regarding this issue. Both TransUnion and XXXX failed to resolve the matter within 30 days, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires credit reporting agencies to investigate and correct errors within this time frame. I request that you delete this account immediately. Failure to do so will result in legal action to protect my credit, with potential damages of {$1000.00} per violation.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.
Consumer complaint received 2021-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Lentegrity Management, LLC (NV)

Hello, in XX/XX/XXXX I began working at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX. I was hired by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

When I began working there I had a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ) and a XXXX XXXX XXXX ( loan with XXXX XXXX XXXX XXXX ). On XX/XX/XXXX, the dealership soul my XXXX XXXX XXXX on a consignment. 

On XX/XX/XXXX I traded in the XXXX for a XXXX XXXX XXXX. 

Both of my loans with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were not paid by the dealership causing a charge off on both the accounts. 

The XXXX XXXX I currently have a loan with Lentegrity is double financed with XXXX XXXX under XXXX XXXX XXXX XXXX 's wife XXXX XXXX at XXXXXX/XX/XXXX. 

I have been making monthly installments on the XXXX to Lentegrity but they are not making any progress on getting the title from XXXX XX/XX/XXXX. I originally notified Lentegrity about this title issue on XX/XX/XXXX. 

Today is XX/XX/XXXX, Lentegrity does not have a title and has repeatedly threatened to repo/charge off. Knowing the position I'm in leaves me no options to finance another car to get to and from work. 

Attached is a copy of my declaration with the law-firm Lentegrity hired.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (CA)

On XX/XX/XXXX, BBVA shut down access to their Simple checking app. Customers were instructed on XX/XX/XXXX to activate our accounts through the BBVA website. Today is XX/XX/XXXX, and I have tried multiple times to activate my account, and the website is not functional. BBVA acknowledged on their website they are having technical issues due to the volume of customers activating accounts in the transition from Simple, with no indication of when I will have access to my account. 

I am unable to access my checking account balance, transactions, and statements.
Consumer complaint received 2021-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION (FL)

Today, XX/XX/XXXX, Simple customer accounts were transferred to BBVA. We are not able to access our account or funds. Their website keeps returning errors, even after they stated that they fixed it, and the phone line they gave us to call them, is out of service. Their is literally no one around to fix this problem. They are also hiding tweets that complain, so that other people can not find out the issues.
Consumer complaint received 2021-05-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I have contacted all three Credit Bureau/Agency ( XXXX  ) and the Creditor ( Bank of America ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2021-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

I ordered my credit report and there was a charge off account from XXXX which was supposed to be removed in XX/XX/XXXX. I disputed with the credit bureau to get it removed and they updated the account using the information from XXXX to XXXX as new. This caused my account to drop XXXX points in 2 different disputes. They were supposed to remove the charge off and instead they updated the old information to the present year.