davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-18
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. (CA)

Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/year> XXXX  XXXX XX/XX/year>
Consumer complaint received 2018-07-12
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. (FL)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. 
I dispute the XXXX Account # XXXX, Opened XX/XX/XXXX because that item was opened by someone who stole my identity and it is inaccurate. As required by section 611 of the Fair Credit Reporting Act, a copy of which is enclosed, I am requesting that item be removed immediately to correct the information. 
I previously disputed this item with all three major credit bureaus and that account was DELETED from my XXXX  credit report in XX/XX/XXXX ( enclosed ). XXXX  advised me that they informed Equifax of that fraudulent account, however the XXXX/XXXX Account # XXXX still shows on my Equifax file. 
Finally, I resorted to file a complaint with the Consumer Federal Credit Bureau because I believe that both the retail store bank and the credit reporting agency have violated my consumer credit reporting rights. 
Please investigate and correct the disputed item as soon as possible.
Consumer complaint received 2018-07-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (FL)

I was checking my three credit bureaus reports on XX/XX/2018 and noticed a tradeline unknown to me listed as collections. Company : DIVERSIFIED CONSULTANTS , INC . 
To challenge the reporting and compliance on listed account that is being reported on my credit report with incorrect/missing info. Data that appears on terminal screens to credit bureaus centre and collection agencies operators may have masking dynamically applied based on user security permissions. Not based on consumer reporting.This improper procedure is highly damaging to any consumer. Also I am very litigious in small claims court and forwarding today in contacting DEPARTMENT OF BANKING to investigate DIVERSIFIED CONSULTANTS , INC . for FDCPA, FCPA also FCRA.
Consumer complaint received 2024-11-20
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. (MI)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX and XXXX credit reporting agencys, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card accounts opened at XXXX  XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX, 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 2015-10-23
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (NY)

I had a Barclay 's US Airways credit card that I was keeping at a XXXX balance. Due to what I was told was a computer error, the system thought there was a payment due on this card. No mail, email, or phone calls were used to try to inform me about this ( and I was n't checking the account as I knew it was at a XXXX balance ). 
It was during a time when I was refinancing a house, and this knock on my credit was the only blemish on my credit, and brought down my score considerably. Had it not been resolved in time, this lower credit score could have effected my interest rate on a home for years. 
It took many phone calls and escalation ( I calcualted 6 hours I spent on the telephone with Barclay 's customer service ) to get this clarified, resolved, and updates sent to the credit reporting agencies.
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2018-07-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Consultants of California (CA)

This is a response of a previous issue with a medical debt where I can provide the case # XXXX I did file a care concern, obviously when I called the very rude and not understanding representative on the phone. I did not agree with the bill and if the hospital was able to help me I would have gladly paid it, But in my case, when the hospital or XXXX said there was not much that could be done and used wrong supplies on me. I was mistreated and was in the same exact amount of pain when I left. I was not able to sleep all night from the pain and the next day needed to seek further care and treatment since XXXX was not able to help me. 
I will file a complaint with the physician board, dept of insurance, and any other related dept, that overlooks hospitals if I have to. The XXXX that tried to assist me did not have the proper equipment and if she knew that, then I should have been informed that and would have refused service. Bottom line is that I needed to go out of my way because of the pain and spend more money to ease the pain I was experiencing. I went out and have proof of purchase to a beauty supply store that sells small scissors, the same ones that you would find at a nail salon when cutting your fingernails. I was easily able to cut the finger with the small sharp scissors to the point where it was not bending backwards and causing any pressure anymore. I am submitting the line item from my credit card statement and actual image of the product I purchased the following day. 
You can also see a comparison of the a similar size pair of scissors vs the ones the hospital should have used in my situation. 
Would you cut your own fingernails with the same pair of scissors designed to cut construction paper? I included backup photos of the proof after how it looked when i treated myself after.
Consumer complaint received 2018-07-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SUNTRUST BANKS, INC. (TN)

I always make my payments online with Suntrust, never had a late payment before. I went online today to make a payment and was shocked to see that a XXXX payment never posted. I paid both XXXX and XXXX on the phone with a representative immediately and offered to sign up for auto debit. I did not know that I was past due on the account until I logged online today ... Suntrust states that they called me, but I have no voicemails from them, and my husband has not been called. He always answers his phone and would have made the payment immediately by phone. Suntrust was unable to verify to me that they called his number. They also have my email address on file, but I have not received any voicemails nor emails from them. I inquired about XXXX credit reporting and was told that this error would most likely be reported on my XXXX credit report. I asked for Suntrust to remove the late payment because I have never had a late and because I attempted to make the payment. They informed me they could do nothing regarding the credit even though I was not notified properly and given a chance to remedy the situation. I firmly believe that I went online to make this payment ; I even have it written in my checkbook register, but Suntrust states they can not verify this. I also pay EXTRA on my mortgage monthly ; this too does not seem to matter. It is completely unfair that my perfect payment history has been ruined by this incident. I am requesting that you please help me to have the negative credit reporting removed if it did occur. Again, I have never had a late payment nor will it happen again. Thank you very much.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

To Whom It May Concern, I always pay my credit cards in full so I'm not that familiar with how interest on them works but I can't imagine the below can be correct/legal otherwise how would anyone not being able to make full payment ever get out from under the debt? On my XX/XX/2018 Bank of America ( BoA ) credit card statement the full amount due was {$860.00} and I accidentally paid {$860.00} which is exactly {$6.00} shy of the full payment ( payment was made on time ). This was a typo error on my part, no question. This {$6.00} under payment somehow turned into {$12.00} in interest charges on XX/XX/2018 statement. When I called the company Customer Support line ( on/around XX/XX/XXXX ) to ask how accidentally not paying {$6.00} of the full amount due could turn into {$12.00} in interest the person could not explain this to me ( this is over 200 % of my accidental non-payment ). Frustrated with the person 's lack of ability to explain this made me cancel the card effective that day ( on/ard XX/XX/XXXX ). I made immediate payment of the full balance ( {$2900.00} ) which BoA recorded on XX/XX/18. Somehow even though the card closed and paid in full, I received a XXXX bill with an additional amount due for interest charges of {$5.00}. So accidentally not paying exactly {$6.00} in XXXX creates a total of {$18.00} of interest charges. The XXXX and XXXX statements are attached so balances and payment as well as interest charged can be seen. Any questions please reach out. If this is in fact legal ( please let me know ) and I will then share this insanity with my congressman and senators as this just does not seem fair to consumers. 
Thank you,
Consumer complaint received 2018-07-12
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. (VA)

Many attempts to contact XXXX XXXX XXXX during the past year are unsuccessful to resolve credit information affecting my personal credit file. Each attempt to telephone XXXX, I get the same bad customer service because the agents have NO AUTHORITY to produce any documents and I get transferred from one department to the next none of these agents can help me resolve any problem within their company. 

* XX/XX/XXXX, A letter was drafted to XXXX  to affirm the provisions of a prior affidavit was not met and statement copies sent to me reaffirm that XXXX does not have any Proof-of-Contract to verify the alleged debt reported to the national credit reporting agencies ( XXXX, Equifax, XXXX XXXX, and XXXX ). 
* XX/XX/XXXX, I asked for proof of contract because XXXX has refused to even provide me with all the elements of a contract. The paper identifies all the elements of a contract and the fact the lender does not conform to Federal Regulation Z. There is also information that XXXX refused to inform the CRA that a report of Identity Theft was submitted per FCRA Section 605B and the lender refused to block information from credit reporting and/or inform the consumer of any action as stated on the included disclosure. 
* XX/XX/XXXX, A Denial of Debt Affidavit was ratified by the Circuit Court in my jurisdiction that outlined the dispute I have with XXXX and their refusal to produce Proof-of-Contract necessary as UNVERIFIED CREDIT REPORTING remains on my credit File after a year of disputed verified by the CRA. 
* XX/XX/XXXX, I mailed a reminder to XXXX indicating that a rebuttal is required by XX/XX/XXXX in the form of a sworn affidavit to VERIFY the account reported is accurate and meets the legal definition as listed in XXXX Law Dictionary as VERIFICATION-of-DEBT. 
* XX/XX/XXXX, A ratified affidavit of Truth & Fact was mailed to XXXX to the address listed on my credit reports. XXXX responded with a form letter stating their company refuses to comply. 
* XX/XX/XXXX a settlement offer was mailed CMRR to XXXX  offering payment-in-Full in exchange for the instrument proving indebtness. XXXX XXXX XXXX never responded to accept my payment to settle the alleged account. XX/XX/XXXX, a second offer was also mailed CMRR, once again, XXXX refused my payment in exchange for the PAPER required to lend money or credit per TILA. 

There is no question that XXXX is not in compliance with the consumer lending laws and I demand this account be immediately DELETED from my credit file unless XXXX can produce a 'certified copy ' of the PAPER on file in the form of a lending agreement.
Consumer complaint received 2019-05-29
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)

ftc violation sent inaccurate accounts to the creditors XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX TX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XX/XX/XXXX {$59.00} - XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (PA)

I have written Cavalry 7 validation of debt letters within the past 6 months, ( dated XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 ) which clearly outlines the specific documents to be sent to me under my Fair Debt Collections Practices Act rights. To date, I have received none of the specific documents I have asked for in my validation of debt letters. I have asked repeatedly for Cavalry to send the information to be sent to me to validate debt claimed owed, but Cavalry has IGNORED all of my written validation of debt requests by not sending the documents I have asked for in my letters. Cavalry is claiming that the account information is accurate and true, which is false because they have not fully complied with my validation of debt letters and federal law. Cavalry is also reporting false information to the credit reporting agencies, because they have not sent me the specific documents I have asked for in order to validate debt claimed owed.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (AR)

I contacted the company I.C System via certified mail to verify a debt that is showing on my credit report since XX/XX/2017. It has been 30 days and I have not received any information verifying this is debt is mine. It has however been deleted from 1 of 3 reports due to my dispute with credit bureau.
Consumer complaint received 2018-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (SC)

I have previously and recently filed a complaint about this collections agency, but this new complaint is because after contacting the credit bureau about this account, the representative states that the collections agency reports a debt of {$820.00}, whereas on the credit report that I received, the collections agency reports the debt to be {$830.00}. The representative also stated that the original creditor is XXXX XXXX, while on my copy of the report the original credit is listed as XXXX XXXX XXXX. With the discrepancies of these two different sets of information, my point of identity theft is further proven, as neither I have ever been to XXXX XXXX nor XXXX XXXX XXXX. Additionally, having two different entries ( for both the original creditor and amount of debt ) reported by this collections agency shows there is misinformation, as well as negligence.
Consumer complaint received 2018-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CA)

Narrative of my 30 Day Dispute With this current auto loan with Wells Fargo Dealer Service, I have never been late with any payments on this auto loan. I have attached all payment receipts for this account for your review. 

This situation was beyond my control. I was involved in a XXXX car crash on XX/XX/2018. A woman in XXXX XXXX California was XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX residential area at XXXX XXXX, she ran a XXXX XXXX hit a car and XXXX that person, and his car hit my car. 


The woman who caused the accident had refused to talk with her insurance company XXXX because she was advised by her Attorney not to talk to anyone so she would not incriminate herself, so my insurance company XXXX paid off my car minus my $ XXXX-dollar deductible and the {$580.00} that I owned on the car more than what the car was worth. 

I was in constant contact with Wells Fargo Dealer Service trying to make sure everything was going according to plan and making sure this loan gets paid off in a timely manner. After Wells Fargo Dealer Service received the payoff from XXXX, I contacted Wells Fargo Dealer Service on XX/XX/2018, to pay off the remaining balance, when I spoke with the supervisor about paying off the car with my Credit Card, the supervisor told me that Wells Fargo Dealer Service does not accept Credit Cards. 

I explained to the supervisor that this was an insurance claim, and I wanted to pay off the balance of {$1500.00} because XXXX had not accepted Liability of the accident that happened on XX/XX/2018, the supervisor said that there was nothing she could do because we dont accept Credit Cards. 

On XX/XX/2018, I called Wells Fargo Dealer Service once again trying to resolve this issue. This supervisor was very informative, and he explained everything to me about a program that could help me, which is called the XXXX XXXX program. The next day XX/XX/2018, I immediately started the process in enrolling in the Insurance Deficiency program. I was approved for the Insurance Deficiency program. 

The supervisor who I talked to on XX/XX/2018, never informed me about any programs that would be able to help me in my dire financial situation, nor did the supervisor explain to me that the account went back to normal when Wells Fargo received the insurance claim check. I, as a consumer and a loyal Wells Fargo Customer who was not aware of any of this information. If this supervisor who I spoke to in XX/XX/XXXX would have informed me about the insurance Deficiency program, I would have enrolled in the program at that time and not have this 30 day late sitting on my credit report.
Consumer complaint received 2018-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC. (FL)

We are struggling and SunTrust has put our business into futher jepodary by charging exorbitant unfair overdraft fees causing our small business major financial distress. In an attempt to remedy the situation I visited the XXXX XXXX location. The employee waived 1 fee but I was ( I found this info out on a 2nd visit, to the XXXX XXXX branch ) NOT informed of what I could do to prevent this from happening again. I was NOT advised that I could get overdraft protection by either opening a savings, or getting a business credit card, or registering my email. If i had been advised of this I would have done so. I feel very taken advantage of. The fees are unfair and have caused my business great financial distress. 1 fee would be fair, but {$220.00} in one month and {$150.00} in a 2nd is beyond unfair!! HELP!!
Consumer complaint received 2024-11-18
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.