davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
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. (OH)

I have an account that was deleted from XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX,. It was a scam school that was sued in a court of law and this loan was deem illegal and the XXXX XXXX XXXX removed it completely deleted and should have been remove from my credit report years ago. Please validate and remove this account asap it is a error. 609, 623 FRCA 611. please and thank you. My name XXXX XXXX XXXX my DOB XX/XX/XXXX SS XXXX.
Consumer complaint received 2019-04-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc. (NY)

I seen a vehicle I wanted on the website of XXXX of XXXX. I viewed the vehicle and processed the finance papers online. I was contacted by them and advised that I had been preapproved for a loan in the amount of XXXX dollars. I scheduled a appointment to come in. After driving over 250 miles from XXXX NY to XXXX XXXX NY to the dealership I thought I was going to sign some paperwork and get my vehicle. To my surprise upon arrival i was advised by the salesman XXXX XXXX that I needed to fill out a application for financing. I advised him of my preapproval and showed them my conformational email they sent me. He said if I wanted the vehicle I would have to fill out the application. I did so asked after they did the second credit check and having me sign the papers to trade in my vehicle they then brought me out a contract the that doubled the price of the XXXX truck I was trying to purchase. I did get the new truck but I left there feeling very upset. They not only changed the original loan agreement I was preapproved for they waited until I signed the papers to trade in my vehicle and to do this. Then when I advised them I didn't want the vehicle I was told by the salesman XXXX that it would appear on my credit as a repo. I felt pressured to keep this truck although i am very unhappy with their practices.
Consumer complaint received 2019-04-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: AMERICAN EXPRESS COMPANY (CT)

A check deposit in the amount of XXXX made on XXXX shows funds availability date of XX/XX/XXXX, the processing time frame chosen is ten day days, XX/XX/XXXX is months away not ten days. The transaction ID was provided in prior complaint. That complaint pertains to this error, XXXX XXXX with Bluebird replied and referred to BMA ( Bluebird Member Agreement ) rather than look into the issue, it appears to be a technical error. The BMA has nothing to do with this technical error, I chose ten days a processing time frame instead of money in minutes and again, its showing available on XXXX XXXX. Despite what the rep claims, I did in fact make a call in re and brought it to that rep 's attention, I did not imagine this and the reason there is no record if it is because they do not record and or make note of every call they receive.. If they did record and or make note of every call then their records would be quite extensive to say the least. Needless to say, their claim of no record of call is bogus. Funds should be available on XX/XX/XXXX, which is ten days, not XX/XX/XXXX XXXX
Consumer complaint received 2019-04-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

The amount : {$120.00} Date charged : XX/XX/XXXX XXXX. 

My Checking account was debited twice for the same amount of {$120.00} as membership fee in XXXX. I have complained to Bank of America and provided evidence of duplicate charges ( evidence attached ) but Bank of America continued to claim they have investigated and that the two charges were legitimate. I wanted to know what evidence was provided by the merchant to support the two debits but the Bank refused to provide the evidence. I suspect the Bank did not investigate the fact and have only come to a decision in favor of the merchant.

What I want from B of A is just the evidence provided by the merchant to justify the charges. Attached is the Bank Statement indicating the duplicate charges and my last letter to Bank of America.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Debt Recovery Solutions, LLC (MI)

After checking my credit report in XX/XX/2019, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Debt Recovery Solutions , LLC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. Debt Recovery Solutions , LLC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Debt Recovery Solutions , LLC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Consumer complaint received 2019-04-17
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. (NC)

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and Transunion and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: AFNI INC. (OH)

I received a letter of communication from this company on or shortly after the first of XX/XX/2019. The letter of communication claimed I owed a debt to XXXX and that I had 30n days from the date of the letter to request that AFNI. Inc validated this claim that I owed XXXX. I in turn sent AFNI not only a validation request with was received and signed for by the company my communication also included all required information regarding Identity theft. AFNI, Inc is not only in violation of my rights because this alleged debt has been posted to my credit files without proper validation. AFNI, Inc has also blatantly chosen to not follow and abide by federal law outlined in the Notice to Furnishers of Information regarding Identity theft victims. If AFNI, Inc was following the laws outlined for them in the FCRA I would have received validation before they ruined my name and credit rating with inaccurate erroneous fraudulent information. AFNI, Inc must remove this information from  my credit files immediately.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX - First contacted Equifax to update phone number and they gave me a reference number saying it was done. 

XX/XX/XXXX - Informed by a major bank of no phone number for them to contact me for an application I had submitted. Held up an application and unnecessarily caused a processing delay. 

XX/XX/XXXX - Confirmed phone number was updated through a different financial institution - however credit score adversely impacted, as yet another " hard pull '' had to be done in order to process this additional consumer application.
Consumer complaint received 2019-04-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a request to Equifax, asking them to correct mistakes on my credit report. They were supposed to respond within thirty days, but I haven't heard back from them.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

There are collections on my file, one is fraudulent and one was reported past the 4 year deadline of oral agreements of Florida statue of limitations for filing a claim ( 4 yrs and months ).

The fraudulent one has had the correct records sent to all reporting agencies showing its fraudulent ( I went to a completely different facility with a different doctor than what XXXX XXXX is claiming ) yet they wont remove it. 
The one that expired shows it was from time of first activity was XX/XX/XXXX but wasnt reported until XX/XX/XXXX. They have refused to address this and remove item for the statutory offense.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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. 

XXXX CREDIT : # XXXX, has violated my rights. 


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.
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

My complaint is against Transunion. I can not get any answers on their website without paying a monthly fee for their services. I have tried to dispute something on their website and the website is either not functioning properly or the website does not allow me to file a dispute. 
There is not a way to email anyone. When I try to call, nobody answers the phone. I just stay on hold or they hang up on me. 
Also, I have been making a house payment since XXXX of XXXX with NO late payments. I have been making a car payment since XXXX of XXXX and there are No late payments on that either. I have had one late payment on a credit card in the last 2 years. I have tried to dispute the XXXX XXXX account with Transunion but I don't get anywhere unless I pay them. 
Out of all 3 credit reporting agencies, Transunion has me scored the lowest. They don't give me a way to resolve anything on their site. I make timely payments on my home, car, utilities, home services, yet I have less than a XXXX credit score. This reporting seems very unfair. There is no way to resolve any issues with them unless I pay.
Consumer complaint received 2019-04-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: COAST PROFESSIONAL INC (MA)

I have requested information about the student load debt that Coast professional Inc has made attempts to collect. I send made a phone call to Coast professional on XX/XX/19 requesting validation of the debt because I would like to the validity. They send me a correspondence to validate the debt but it was not sufficient as the documentation was incomplete. I requested the promissory note for the loan and they we're unable to provide the me with the complete documentation. I do not have information to confirm that this debt is valid or the dollar amounts that are being attempted to be collected from coast professional are valid and accurate. 

All of my attempts to retrieve the requested information have not been successful. They have failed provide validation of this debt for a time period spanning over 30 days.
Consumer complaint received 2019-04-18
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: EQUIFAX, INC. (CA)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXXXXXX 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 XXXXXXXX
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Upstart Holdings, Inc. (PA)

I applied for a loan on XX/XX/year> and was told they couldn't offer a loan on the amount I applied for but could provide a lower amount. I sent all information requested and on XX/XX/year> was sent an email to log in and accept the terms. I logged in to a page that showed the terms of the loan, asked for me to pick a date for payment, and then had a button for me to click and sign. When I pressed the click and sign it showed me a decline status. I looked at the applications and it showed my original on XX/XX/year> that stated it was in the document being submitted stage, XX/XX/year> showed 2 different applications 1 approved, and 1 declined 15 minutes apart. Something seems sketchy.
Consumer complaint received 2019-05-15
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good day Sir /Ma'am, I took out a second mortgage on my home in XXXX with COUNTRYWIDE mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through BANK OF AMERICA. I was face to face with the BAC reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XXXX we got transferred XXXX XXXX XXXX This company not only add interest back from XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; XXXX, XXXX, or XXXX. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!
Consumer complaint received 2019-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: DMEC Capital Services LLC, DBA Settle Our Debt (FL)

I started a contract with this company XX/XX/2018 to settle debt with 2 online pay day loan companies XXXX  XXXX and XXXX XXXX upon entering the program I owed XXXX and XXXX settle or debt after looking at the account they set up with XXXX XXXX I had funded the account XXXX and only XXXX had been paid to my loan I asked how much do I still owe they said XXXX I said how so withdrew from the program and ask for a refund, I then discovered they had taken over {$700.00} for fees to them selves, I received a email from them that I signed a contract that pays them 40 % of the projected interest and I could receive a refund if I gave proof of no interest I sent them a email from XXXX XXXX no interest XXXX to settle the loan haven't heard back from them they are getting more than the creditor themselves Please help me recover my money.Thank you in advance
Consumer complaint received 2019-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (LA)

LVNV FUnding had placed an account on my credit reports which I settled. They then turned around and placed an open account on my credit reports after the settlement. I have no account with them and the accounts are settled. The inaccurate accounts that are being reported should be removed immediately from the major credit bureaus.
Consumer complaint received 2019-04-17
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: Account Control Technology, Inc. (LA)

Account showed in collections that did not belong to me. Disputed and they closed it the next day and did nothing to fix the problem. I have sent letter to collections agency and XXXX. Letter below XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX XXXX XXXX Dear Sir or Madam : I am writing to dispute a billing error in the amount of {$2900.00} in collection with Account Control Technology , Inc. on the above account. The amount is inaccurate because I have no knowledge of this account nor any association with XXXX university. I am requesting that the error be corrected and removed from my credit report. Please send me any paper work or any information about this account and how it was opened to the address above. 

I am about to enter a transaction that requires my credit to be correct for a large mortgage. If this incorrect information affects my transaction, I will be pursuing legal action for compensation as even a small % point could be tens of thousands of dollars across the life of a the loan. 

I am also reporting this to the FTC under the FCBA as it appears there was no attempt to verify any information when I disputed this info. The item was closed a day after I opened it with nor documentation provided. Please investigate this matter and correct the billing error as soon as possible.
Consumer complaint received 2019-04-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

For the last 6-8 months I have been in communication with Equifax about various accounts that were/are reporting that stem from identity theft. I have sent in numerous id theft reports and police reports. I have asked Equifax countless times to block and remove the accounts due to identity theft. Equifax did not honor my request nor did they send me a written response within the 5 days from my request stating the reasoning they elected not to block and remove the accounts. Clear violation of FCRA 605B. When I call to verify receipt of my documents I am being told that they have not received my documents even though the ups/usps tracking states that it was delivered or signed off on. Equifax within the last 2 months have deleted a few accounts but replace them with accounts that were deleted that were named in the identity theft reports. Accounts that I have been told are deleted on XXXX or XXXX 3 credit Bureau reporting website are being hid within my credit report under closed accounts. I recently applied for mortgage and was told sent a copy of my Equifax credit report showing the accounts : XXXX XXXX XXXX # XXXX ; XXXX # XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX XXXX ; UNKNOW NAME # XXXX. 
The accounts referenced above Equifax refuses to delete from my credit. It seems that Equifax doesn't follow the FCRA rules protecting consumers from identity theft. They do not send out communication. I have asked by letter two ( 2 ) times within the last 6 months for Equifax to present documents that show the verification process for these accounts. No correspondence from Equifax even after a 15 day demand. This complaint is the last step before I sue in Small Claims court.
Consumer complaint received 2019-05-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (CA)

XXXX XXXX XXXX bought a debt from XXXX for a cell phone plan that was terminated in XX/XX/XXXX. XXXX originally told me that I could cancel my phone plan ; I had one month left on a three year plan, and that I would not be charged an early termination fee. Instead, I was charged {$300.00} per phone line ( six lines ) for  the early termination. I disputed it. 

XXXX XXXX purchased it and reset the date opened account to XX/XX/XXXX and began to try to collect the debt from me. I disputed the account date. They told me that the debt starts from when they opened the account, not the original account.