davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I ). I have previously asked all three ( 3 ) credit bureaus : XXXX, TransUnion and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as XXXX or XXXX XXXX. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court. VII ) Furthermore, in XXXX 2017, I III ) In XXXX 2017, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.
Consumer complaint received 2017-08-19
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. (TN)

I was contacted by XXXX mail on XX/XX/XXXX stating " There 's still time let 's talk then I also received a phone call from the manager named XXXX onXX/XX/XXXX asking me to come into the office. As I told him I lost everything in the wildfires here in Tennessee in XXXX, then my father ( XXXX XXXX ) XXXX XXXX in XXXX, and my mother ( XXXX XXXX ) XXXX XXXX in XXXX ( three months XXXX apart with no life insurance ) and told him that I also had to pay my part back to the relatives for their XXXX and I still have to get a XXXX XXXX for both of them, he proceeded to tell me that those things can wait. Now suffering from XXXX I have quite a few doctors appointments but I did get by the office within that following week. XXXX XXXX XXXX is now trying to state that they could not offer my mother life insurance because of her age but in the document we both paid in life insurance on the loan. If they could not give my mother life insurance then that would be discrimination. The loan is also secured with my mothers vehicle and I have noticed on my credit reports they have it listed unsecured and secured when they keep reporting and destroying my credit ( that I am trying to repair ). When I walked into the office here in XXXX, TN XXXX seen me and all she told me was " it left her office this morning ''. They kept a copy of my mothers ( XXXX XXXX ) XXXX XXXX and the office it supposedly went to the gentlemen could not pull it up on the internet so I did not have a phone number or address although it has an Indiana address on my credit reports. The address is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX with a phone number XXXX. I 'm XXXX and on a fixed income and this company does not seem to be doing business properly. I have included my mothers XXXX XXXX ( which she is the co-applicant insured and had her vehicle as collateral. I also highlighted the area of this contract where we paid insurance on this loan with both of our signatures. The account number on this XXXX XXXX loan is XXXX. Can you please investigate this loan and this company because they keep on reporting to all three credit bureaus as much as possible it seems only to hurt me and my financial future. If you need anything further than what I provide please let me know. Thank you very much in advance. XXXX Bless. Also can you please have them stop reporting also until this investigation is resolved?
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

Experian misleadingly enrolled me in a credit monitoring service with a monthly premium using my credit card information. I requested an online cancellation in XX/XX/XXXX following the directions on their website. I received a cancellation confirmation email. I continued to receive numerous emails from Experian with no way of unsubscribing. They continued to keep my email & credit card information on file. When I logged in to look for a way to remove my email address I noticed that they kept my credit card information on file and there is no way to remove it. There is also no option to unsubscribe from the unwanted daily emails. Recently, in XX/XX/XXXX, they charged my credit card twice for the monthly premium on XX/XX/XXXX and XX/XX/XXXX. I NEVER consented to this or reactivated their services. I tried calling their customer support line and was on hold for more than 30 minutes.
Once I request a service cancellation, they should remove and purge my credit card information and contact information. They also fraudulently started charging my card a monthly premium within 6 days of each other for a service that I never requested to be " turned back on. ''
Consumer complaint received 2017-08-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (FL)

Florida law does not allow credit card companies to call more than once a day. These guys keep calling all day long. Here 's today 's log on our phone log - Sat. X/XX/17 Citibank - XXXX ( while everyone is sleeping, no phone message left XXXX Citibank - XXXX ( no phone message left XXXX Citibank - XXXX ( no phone message left ) Citibank - XXXX XXXX no phone message left )
Consumer complaint received 2017-08-18
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. (FL)

4 years ago in XX/XX/XXXX i disputed bmw and the bankruptcy as fraud and i sent over a police report confirming the id theft, as of XX/XX/XXXXthey re included the bmw fraud account and the bankrpucty wasnt on there as proof i sent over the credit report they re added in XX/XX/XXXX they 're defrauding me and they re added bwm and there violating my rights under the fcra. they keep readding the accounts after they been confirmed as fraud and deleted which is a violation of the FCRA i spoke to XXXX he refused to give me his name and his id number said to go to hell and go back to where i came from hes also refusing to call XXXX  police to verify the the police report
Consumer complaint received 2023-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc. (DC)

At this time CashApp has refused to reactivate my debit card with the numbers XXXX CashApp connected my debit card to a phone number that I no longer have and when I attempted to use my debit card, it does not work. I have contacted CashApp to no avail. They request that I create another XXXX, and I did. However, I have accounts linked to the old XXXX  and I want that transferred over to my new phone number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-18
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)

XXXX XXXX client XXXX XXXX is an identity theft victim ; his information was used without his consent to apply for several credit accounts. While the accounts were not established the fraudulent applications resulted in fraudulent inquiries on his credit reports. One of these was with XXXX XXXX ( XXXX ) while a dispute was sent and a clearance letter received of this inquiry however a credit report ordered XX/XX/XXXXshowed the fraudulent inquiry from XXXX reported to TransUnion credit bureau XX/XX/XXXX. This is a violation of the FCRA.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alliant Capital Management LLC (CA)

Alliant Capital Management calls and threatens legal action on a debt they say that I owe. I have never received anything in writing from them to clarify what the account is and what the balance is that I owe. I asked for a statement months ago and still have not gotten one.
Consumer complaint received 2023-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

There are fraudulent inquiries listed on my consumer report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (FL)

Pleas check your records. I paid this debt off over 7 years ago and it was just {$190.00}. I paid it off, they refused to allow me access to the number I had been assigned. I wanted to keep my phone number. However, I did pay this off and for 7 years this is just hanging around. Please stop reporting this paid in full account.
Consumer complaint received 2017-08-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ND)

I experience some irregularities on a XXXX credit card. I reported it to my credit card company on XX/XX/XXXX. The following day they closed the account and opened a new one. When I checked Equifax, my XXXX credit card had completely disappeared. It did not show that it was closed it was just not there and the new card was n't there either. I waited a week and contacted XXXX, they told me they reported to all 3 major bureaus both the closure and opening of the new account on the XX/XX/XXXX. They recommended I contact the bureaus. They also launched their own investigation after I was getting nowhere with Equifax. This investigation could take up to 30 days. When I contacted Equifax on XX/XX/XXXX they told me they have no information about me ever having a XXXX card and they also had no documentation that shows that XXXX told them to close and remove an account. They just have nothing. And they keep telling me since they have are not showing any XXXX Cards ( which they removed ) they ca n't investigate why it was removed. I contacted other the two other major bureaus and they were able to give me information. The other two documented the closure but not the opening of the new account. This is an account that has been reported on to Equifax since 2010 and I keep a close eye on all 3 bureaus. There is an obvious oversight if when they remove the card they remove all requests from the company. At a minimum they should still be able to access a final request that tells them to remove it.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RentDebt Automated Collections, LLC (TX)

On XX/XX/2015 I sent in writing to the apartment manager the request to vacate as the property was not safe and caused my husband to have a XXXX XXXX and went to the hospital We can provide medical bills if needed. We stayed in a hotel to recuperate from the heat and upon returning to the apartment to collect our belongings they had stolen our personal belongings and trashed the rest of our things. Then they sent us to collections for a bill we should not have been charged for in the amount of {$2200.00}. We requested the fix the air conditioner unit in the apartment many times during our lease term and they would only send maintenance up to clean the unit and it still would not cool the apartment. The electric bills doubled and I can provide those as well. Please find attached the email. I tried attempted several times to solve this matter directly with them and they refused. So we now have damaged credit.
Consumer complaint received 2017-08-18
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. (NJ)

We have had a personal loan through XXXX for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XXXX XXXX, we received notification that the XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XXXX XXXX ) we requested a ONE time credit suppression from XXXX. We feel that our request is reasonable but XXXX is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Social Finance, Inc. (NJ)

We have had a personal loan through Sofi for almost two years. We have NEVER been late. We set this account up for automated payments through their website for the month of XXXX since we knew we would be out of state and unable to access the internet, banking or email. Upon arriving home on XX/XX/XXXX, we received notification that the XX/XX/XXXX payment was not received by them and they had reported us 30 days late to the credit reporting agencies. Due to our impeccable record, the mix up on the automated payment system and the fact that we made the payment as soon as we were aware ( XX/XX/XXXX ) we requested a ONE time credit suppression from Sofi. We feel that our request is reasonable but Sofi is acting unreasonable and will not provide us with a satisfactory or courtesy resolution.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: AES/PHEAA (LA)

A communication from XXXX XXXX XXXX, XXXX, ( PHEAA ) was received by this consumer, XXXX XXXX XXXX ( 15 USC 1692a 3 ) on or about XX/XX/XXXX. As described in 15 USC 1693 a 2, an account involving personal, family, and household, which means consumer, is an asset account. Why is an entity, which can be defined in 15 USC 1693 a 9 as a financial institution holding an account, directly or indirectly, belonging to a consumer, attempting to collect an alleged debt? According to the FDCPA a debt collector may not  use any false or misleading representions in an attempt to collect any alleged debt ( 15 USC 1692e 3 ; 15 USC 1692e 10 ). Continuing, threats were insinuated as described in 15 USC 1692d. This consumer is seeking actual damages pursuant to 15 USC 1692k A 1 in the amount of {$50000.00} USD. Misrepresentation and harassment are deceptive and harmful.
Consumer complaint received 2017-08-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: World Omni Financial Corp. (FL)

We received a call from a sales representative in XXXX XXXX that they can give us a new car for and trade in the car we already purchase with them and they will give us credit. We had purchase a XXXX XXXX and trade in the XXXX XXXX we were paying I will attached the copy of the note on the papers they showed credit for the amount of money we already paid for the XXXX and they did not explained they will also charge for the rest of the money we owed on the XXXX ; but they keep the car for themselves and we have to paid for the money they will sale the car and keep for them. We did have to paid {$2000.00} for the down payment from our credit card and total payment for a XXXX XXXX will be {$34000.00} that is the most expensive XXXX I can imaging. The government should penalized car companies to still the money form consumers specially from old people they do not explain things at front and after they make you sign in a rush and you do n't have time to read and complaint. We need the company to lower the money they are charging for the XXXX XXXX they took and sale and keep the money for themselves to be more rich and consumers to be struggling with the payments. My husband is XXXX XXXX XXXX and just got a XXXX XXXX and we have to paid {$18000.00} form our pocket that we do n't have it and have to paid. They also have an advertising that guarantee for 5 years of service and after we got the loan they stated is only 2 years. I will attached note and copy of the bill we had paid 20 payments and still owe XXXX x $ XXXX this is a big abuse the congress need to take care of to protect consumers. I hope you can help us with this financial struggle.
Consumer complaint received 2024-08-14
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: Experian Information Solutions Inc. (NJ)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file.

XXXX XXXX XXXX
Consumer complaint received 2017-07-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

My payment history shows that Ditech had received a payment for {$1000.00} which was to be XX/XX/XXXX  mortgage payment with the extra amount going to principal. They show the entire amount going to principal and that I have n't made a XX/XX/XXXX payment yet. I wrote them about this on XX/XX/XXXX and got a response on XX/XX/XXXX that reads : " Your request is being reviewed for appropriate processing, '' yet the account shows no mortgage payment for XXXX 2017, according to them. Given all of the problems with Ditech/Greentree that I 've had, I honestly believe this is an attempt by them to claim a late payment by me. I also wrote to them indicating that I was sending in XX/XX/XXXX payment early and that this, too, should be applied to XX/XX/XXXX mortgage payment. I have not seen that payment as posted, yet. I also asked ditech for a new security question from among the three they give me. The answers must be exact with cases correct and I ca n't remember one of the answers. I have been locked out of my account a few times because of this. Once is happenstance. Twice is coincidence. Three times is enemy action ... .XXXX XXXX . This is well beyond the third such issue with Ditech.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (LA)

This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-08-19
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. (FL)

Hello my name is XXXX XXXX. I am sending this message to TransUnion. I contacted you on various occasions due to an errored account that is listed on my credit profile. I asked kindly to send me any documents for proof, no one responded back. I sent in certified mail to your address and still I have n't received any response since XXXX. If you ca n't verify its mine, the account should be removed immediately by law. A company ca n't verbally verify an account without a document with the consumers signature so you are breaking the law FCRA, I did n't give anyone consent to open any accounts under my name, credit profile or social security. It seem that someone used my identity at the time. I refuse to accept an errored account that is n't mine and you ca n't prove that it is. A billed document is n't proof, and if you attempt to send me any documents with a forge signature, I will consider taking legal actions filing a civil suit. I am waiting for a response immediately. Remove the error off of my credit profile permanently. It 's a fraudulent account. Please be advised that upon your request, I will be sending this information to the FTC, posting your company on public record, filing a law suit against company.