davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My identity was used for a bankruptcy filing, the bankruptcy is reporting on XXXX, XXXX and Tranunion as a public record. The bankruptcy filing is fraudulent. I have disputed the information several times, and the agencies say they verify this information from XXXX. XXXX uses a third-party to verify the public record which is not legal because it can't be verified through the courts, directly.
Consumer complaint received 2021-02-23
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: Uplift, Inc (MA)

UPLIFT INC. ACCOUT NUMBER XXXX. IS REPORTING ON 1 CREDIT REPORT THAT I WAS LATE XXXX OF XXXX BY 30 DAYS. THIS IS INCORRECT AND THEY HAVE YET TO REPLY OR FURNISH ANY PROOF THAT I WAS LATE
Consumer complaint received 2021-02-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (GA)

Hello, I purchased a car in Alaska from XXXX ( which was the worst thing I could ever do ) and I was a first time car buyer at the time. The car that I purchased was a reasonable price and the monthly payments ( {$310.00} ) was also reasonable. What I was unaware of was the interest fees. I am in a simple interest loan with Chrysler Capital who is funded through Santander Consumer USA and was unaware that my interest rate was 29 %. Not only do I think that is unconstitutional but I am pretty sure the bank was aware that my credit score was not best. This bank ( Santander ) charges me XXXX dollars a day ( even though I making payments ) in INTEREST. I purchased the car on XXXX XXXX ( A month before the pandemic hit ) and had to stop working in XXXX due to feeling ill and being a XXXX XXXX XXXX XXXX. I was not comfortable with putting my clients at risk due to me not feeling well. I signed a contract with XXXX to give me an extension due to the executive order that was put in place. I was unaware that they would charge me {$8.00} a day for 5 month of me not being able to make my payments. Once they packed on all of these interest fees and I started working again, I had to pay off interest before those payments can start going towards my principle ( mind you I am still being charged {$8.00} a day ). This loan option shouldnt be acceptable and shouldnt even be practiced. My car payments will never decrease as long as I am being charged XXXX  a day. After calculating my interest, Only {$73.00} is going towards my car while the majority of the money is going towards the interest. People buy cars to pay it off and not to be stuck paying more than what the car is worth. I could understand if they are charging me interest for every time I am late on a payment but to be charging me money everyday of interest for no reason other then to make money especially during a pandemic is unacceptable, especially a rate of 29 %. I truly believe there is some XXXX discrimination going on with this bank. They look for low credit, small income people like myself ( mostly minorities ) who need a vehicle to work and get us stuck into these horrible contracts without our knowledge. Everything is explained at the dealership, I read the documents but the way the salesman make it seem is NOTHING like how it is once you sign those contracts. There has to be a law where these big corporate businesses are not able to take advantage of consumers like myself. The interest fee alone is ridiculous and shouldnt be practiced. I am all caught up with my payments and interest but as everyday goes by the interest builds back up again. Majority of the money from my payments are going towards interest. Please help!
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

Dear Sir/ Madam, Between the years of XXXX & XXXX, I filled over 14 complaints against Experian Credit reporting agency . 
Experian obtained it's consumer information from a third party vendor XXXX XXXX XXXX XXXX. 

According to the FCRA LAW, public information shouldn't be furnished from a third party vendor, it has to be from the direct contact of source, which in my case from the Bankruptcy Court, Experian had not done so, yet insisted on creating lies and fraud of information. 
This is a complaint number that was closed XXXX XXXX ) indicated all the correct information about Experian scam of information. 
I personally have contacted the Bankruptcy court of XXXX New Jersey to find out if the court has any affiliation with Experian or any agency to furnish public information, I was told that the court does not have any affiliation of any credit agency what so ever, I proved that to the CFPB and to Experian by a direct letter/document from the BK court. 

XXXX XXXX was contacted by me, The removed the public information from their records, they proved that Experian credit agency purchased my public record fromXX/XX/XXXX( a Third part vendor ) and furnised it claiming that they obtained it directly from the BK court, which was a big scam and a big Lie. Experian still continues to violate the FCRA and must be stopped. 

I am contacting the CFPB to enforce Experian to remove the public information from my credit report ASAP immediately.
Consumer complaint received 2021-02-10
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. (AL)

The following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX  - reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX  - reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my account
Consumer complaint received 2021-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

MIDLAND FUNDING who has recently been sued by the CFPB and is currently under investigation by the California Department of Financial Protection and Innovation has illegally parked a collection for {$1300.00} in my XXXX  consumer credit file. This act was committed without providing a XXXX notice in an attempt to force me to pay an unsubstantiated debt. Midland Funding LLC and Midland Credit Management had just previously submitted this same collection to XXXX without any notice, however XXXX immediately deleted the unverified collection. I disputed this debt directly with XXXX on XXXX XXXX, XXXX, the same day it was inserted. MIDLAND FUNDING again flagged and updated this collection with XXXX on XX/XX/2021 while it was being disputed with XXXX. I called XXXX again on XX/XX/2021 to inquire as to why my credit report was again flagged for this same collection. MIDLAND FUNDING proceeded to additionally flag and update this collection on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and as recently as XXXX XXXX. After approximately 3 phone calls with XXXX and multiple updates from XXXX, I was not sent a dunning letter, but instead I was sent a bill in the amount of {$1300.00}. I then sent a validation request directly to XXXX, I did not receive the requested validation but instead received a second bill dated XX/XX/2021 requesting payment of the {$1300.00}. This second bill was sent while the debt was under dispute and proper validation was not requested and not yet received.
Consumer complaint received 2024-09-06
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the reporting of a charge-off account on my credit report that I believe contains multiple inaccuracies. The account in question is associated with XXXX  XXXX XXXX, and here are the details please delete this account
Consumer complaint received 2024-09-06
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. (MI)

Today i reviewed my credit report and scene that there is a account that is not reporting accurately. it is currently showing i have 1 late payment on a account, even though it was paid on time. The credit reporting agencies needs toreport all information with complete accurate information. This account has not been late on any payments. I have attached a copy of my reports to this complaint on the following date XX/XX/year>. I am not requesting you investigate and provide verifiable proof with records showing that i had a late payment. if this information can not be verified i demand that this payment be updated to paid on time immediately. my credit score was XXXX, this has been a inconvenience Thank you for understanding and prompt action.
Consumer complaint received 2024-09-06
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. (NJ)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-02-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BBVA FINANCIAL CORPORATION (CA)

I sent a check to them via usps priority mail. It was then picked up by XXXX XXXX at XXXX according to the post office records. I called on Monday to ask if they can just confirm they did receive it : the agent XXXX told me he could not check and I would have to just wait if they got it before XXXX PST it would be processed same day if not the next! I called again XX/XX/18 and spoke to XXXX who then looked in the ledger this time and said he did not see it was inputted meaning they have not started processing it nor could anyone confirm they have it but havent got to it. Since the value of the check was over XXXX I wanted to make sure someone from their company did indeed pick it up but he said that was not possible. I then sent two support emails asking for a follow up to which both were closed without any follow up. I now have no clue what is going on, when my check will be processed or if their team even has it.
Consumer complaint received 2021-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

In XXXX I made A {$1000.00} payment and told the phone rep that the payment is for XXXX and XXXX I am having XXXX and I want to be ok as far as late Problem is citi customer service is in XXXX and XXXX they all have trouble understand English therefore they dont know what to do put u on hold too much lai make fun of laugh and pretend to be a supervisor So XXXX comes I keep getting call 3-4 times a day I call citi to find out what is going on and they told me I am late past due and delinquent Why they took this harsh un necessary action when I didnt do anything wrong After my complaint to executive office XXXX told me the person handling my issue will call me by friday XX/XX/21 And will stop the phone harassment Do to Texas cold No one called me so I called back left. Message phone harassment still going They are recking my credit for no correct reason and if they reck my credits file they will be sewed
Consumer complaint received 2024-09-06
Product: Credit reporting 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. (AZ)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted your company and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Terrill Outsourcing Group (OH)

Received phone call from XXXX with XXXX XXXX XXXX  XXXX stating that her company bought my original debt from XXXXXXXX XXXX  and I owed XXXX. I set up payment arrangement ( XXXX on XX/XX/XXXX ) and 75 monthly payments since that date. In XX/XX/XXXX I received a letter from superlative RM ( SRM ) XXXX stating that their company bought my debt and I owe them XXXX I then asked XXXX from XXXX XXXX XXXX  to please send me proof of debt which she only offered to do in an email. 

XXXX proof of debt included the whole account number XXXX amount owed is XXXX states that original creditor is XXXX XXXX XXXX XXXX ( the actual creditor is XXXX XXXX  not XXXX ( thats just where I bought the couch ) also the debt letter email has my old address not miss you current one. 

SRM proof of debt letter has only the last four digits of the account XXXX, states I owe XXXX states original creditor is XXXX  and merchant is XXXX XXXX XXXX XXXX. Debt letter has my correct address. Their debt letter also explains that if I contact them within 30 day in writing they will send me verification of the debt or a judgement against me. XXXX email does not state that. 

If SRM is in fact who I owe the money to then what happens to all the money that I paid XXXX XXXX on this account? 

I am unsure of which company to pay or if the debt was double sold? I am unsure who actually owns the debt and have tried calling XXXX  for help on who they sold the debt to but they state that there is no account with them at all? I need help before it goes on my credit report, and help getting my money back if I have been paying to wrong company. 
Thank you for your assistance Please help, Thank you XXXX XXXX
Consumer complaint received 2021-02-23
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: The Bureaus, Inc. (CA)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-02-23
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc. (GA)

I have spoken with 4 representatives about these re-aged accounts. Also, after speaking with hospital they have no record of my visit for the amount nor the date. Except from XXXX per business office. I can pull my medical records and see this is not a valid bill or collection. 
Medical date systems has these 2 accounts. 
Medical Data systems:XXXX : {$1100.00} Medical Data systems : XX/XX/XXXX : {$230.00} I am beyond frustrated. I will be also writing another letter to credit bureaus. An attorney suggested I file complaint. 
Much appreciated, XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I requested Bank of America for account to be Closed. Since XX/XX/year> I was told they will close my account on XX/XX/year>, Then was told XX/XX/XXXX XXXX. Now I was told they dont have an estimate time of when will account be closed. Without no explanation Bank of America is refusing to close my account. I still have funds in the account
Consumer complaint received 2021-02-23
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Amsher Collection Services, Inc. (NC)

a negative was discovered on my credit, by XXXX XXXX XXXX and XXXX i had to reach out to this collection agency not from them but from the report. The worker from Amshercollectionservices admitted they never informed me of this dept due to it had been past around from several collection companies. I twice during the conversation told XXXX that i recorded the phone call. I requested validation of there right to collect a dept and a contract that we have entered into with my signature on it. under the fair reporting act. they admittingly told me that they didn't have to contact me and inform me of the collection, because other collection companies had been trying to collect. viewing my XXXX report XX/XX/XXXX the same day they told me they got it was the date its was placed for collections. my due prosses was disregarded and i plan to file complaints to the XXXX XXXX XXXX against this company for this and other right violations.
Consumer complaint received 2021-02-23
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)

I have submitted various pieces of evidence to these companies showing these accounts were frauduent or incorrect. I have been dealing with this for several months, and the agencies are using illegal practices not reviewing my information and documentation. They have also claimed they never received my letters, or simply tried to verify them throught the E-OSCAR system. My credit has suffered as a result, and I am making you all aware before I seek counsel against these agencies for the distress this has caused me.
Consumer complaint received 2021-02-23
Product: Credit reporting, credit repair services, 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)

As a federally protected consumer under title 15 USC chapter 41. I sent certified mail return receipt on XX/XX/21 outlining federal law 1681a ( 2 ) ( B ) which states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Notice, congress said ANY card. The credit card is my social security card. This is the card I used to originate every consumer credit transaction listed in my complaint. They should all be removed from my consumer report Pursuant to USC 1681a ( 2 ) ( B ).
Consumer complaint received 2021-02-23
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. (CA)

I was reviewing my credit report today XX/XX/21 because I am planning on buying a new car soon however, I noticed that there are several accounts on my credit report that I never opened. The accounts are from multiple companies all of which I am not affiliated with in any way. The accounts listed on this report were opened in my name without my permission and need to be deleted from my credit report. I suspect that they belong to a family member with a similar name as mine because it has happened in the past. I did not benefit anything from these accounts such as money, goods, services or any other benefit nor did I make any payments towards any of these debts. I have already got in contact with these companies as well as filed a police report and a complaint with the Consumer Financial Protection Bureau in hopes of getting my name and credit history cleared from these unauthorized accounts.