davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Regional Management Corporation (TX)

I have received this company info on my credit report for the past year. I have attempted to find a contact number for them on various websites such as XXXX and XXXX. All I find is rip off reports, a complaints. i have tried numerous phone numbers and repeatedly get hung up on. I placed a dispute through XXXX stating I do not remember taking out the loan. I got a response back saying " Account information disputed by consumer, meets FCRA requirements '' No one seems to know what that means. I have no record of taking out the loan or any documentation proving it. I asked the people that have answered the line to send me some proof of the loan and then I can agree to pay they just tell me to pay the loan and hang up. The amount of the loan is {$1300.00} allegedly opened on XX/XX/2015. If I opened the loan and are responsible with proof, I will gladly pay it. They can not provide anything for me. They are going by two names XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-10-13
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. (FL)

I had my credit pulled for the very first time in XXXX of this year to discover that someone else 's bills were reporting on my credit report. I am XXXX years old and have never had any credit established in my name until just 9 months ago when I got my XXXX XXXXs account and that was only a small {$250.00} limit. When I got my credit report I was shocked to see 3 collection accounts with XXXX XXXX XXXX, XXXX, and some company named XXXX that I have no clue who or what that is. I have a prepaid phone since I was XXXX with XXXX because that is all I can afford with my part-time job. XXXX XXXX XXXX and XXXX both declined me for a phone and plan with them. I submitted a dispute on XX/XX/XXXX to inform all 3 credit bureaus that these collection items were not mine and that they needed to remove them from my credit report. I got a response from was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me ; XXXX XXXX response was the removal of XXXX XXXX XXXX and XXXX but they claimed that they verified that XXXX belonged to me, and Experian 's reply was that they verified that all 3 collections items belonged to me. I responded to all 3 credit bureaus advising them that their results could not be true and that I would like to have them mail me the proof of how they verified these items they refused to remove and mail me a copy as it is my right under the Fair Credit Reporting Act. None of them responded to my 2nd or 3rd attempt. It is now 4 months since I alerted these credit bureaus that they are reporting inaccurate information on my file in violation of my rights and they will no longer respond to my letters. I am seeking to be a XXXX one day and my credit is a big part of me getting there.
Consumer complaint received 2017-10-13
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. (GA)

TransUnion is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a XXXX form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on, but I did n't r'cve information pertaining to my dispute as requested. 

I was told that the public records Bankruptcy and Tax Lien ( which reports on my credit report inaccurately XXXX were verified through a third party company but I did n't rcve the third party companies information. I called the court listed and I was told that they do not have information on me in regards to these two public records and if they did, they would not release this information to a third party due to violation of my hippa rights. I contacted XXXX, because this is who the other two reporting agency say they were verifying through, but as with them, XXXX advised me that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that TransUnion is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WA)

XXXX XXXX XXXX XXXX account still reporting incorrect shows last payment XX/XX/XXXX they also received and processed through my account XXXX XXXX XXXX {$27.00} in XX/XX/XXXX approximately the XX/XX/XXXX of the month they also accepted my payment of {$27.00} in XX/XX/XXXX processed through my account XXXX XXXX XXXX I then closed my account with XXXX XXXX  XXXX XXXX account. I then on XX/XX/XXXX through their automated system paid my remaining balance to XXXX with the payment of {$21.00} which was my final remaining balance. the confirmation number for the final payment bringing me to XXXX balance is XXXX on date XX/XX/XXXX payment has cleared my bank I received a letter today from XXXX XXXX XXXX XXXX card dated XX/XX/XXXX accepting the closure of my account by me and telling me I had a remaining balance of {$20.00} I paid that as I said XX/XX/XXXX I gave you my confirmation number XXXX this needs to be reported correctly account balance is XXXX and account is closed by me
Consumer complaint received 2021-01-08
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)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-10-13
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. (NH)

I noticed my credit score decreased by a significant amount, from XXXX to XXXX on TransUnion. I called and they told me to go online to XXXX. When I got there and put my information in, I was unable to see my report. The person on the other line told me he would look up my report, and after looking at it he said there was an " error 219 ''. A mismatch due to multiple files on my report. He transferred me and said another person could help me. When I reached the next party, he said there were multiple files on my report and asked ME what I wanted to do about them. I said I did n't know what to do about the error. I was told this is what could be impacting my score and I wanted to know what they 're going to do about it. I was then transferred to another department where I was put on hold for an hour. After an hour I hung up and tried again to get the same question, " what would you like us to do about this error? '' Then he told me the department we needed closed at XXXX ( we were on hold from XXXX XXXX.
Consumer complaint received 2017-10-14
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. (WA)

XXXX currently known as XXXX has reported a hard inquiry by me this is not my inquiry I have had the same account for over 30 years I do not live in XXXX it is not my inquiry needs to be removed
Consumer complaint received 2017-10-13
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. (GA)

Experian is reporting incorrect names, phone numbers, and addresses within my credit file, which I have asked that they remove along with some accounts that do not belong to me. I have asked that they send me verification of how all debts in which I have disputed were validated, including the name, address and telephone number, of who they contacted in order to verify the information. I asked to be informed whom they spoke to, did they write to them, was a UDF form used, or was this through electronic automatic dispute verification and were they able to reach them at the same address/phone number listed on my report, they have neglected to provide me with any of this information. I rcvd an email that my most recent dispute has been completed on XXXX/XXXX/2017, but I did n't r'cve information pertaining to my dispute. I also found it very difficult to dispute inaccurate names, addresses and phone numbers that appears in my credit file. 

I was told that the public records Bankruptcy ( which reports on my credit report inaccurately ) was verified through a third party company named XXXX, but when I contact XXXX I am told that this information was n't validated through them because it would violate the FCRA, being that they have a credit freeze on my credit file at there company. So this leaves me to believe that Experian is n't doing proper investigations as they are required to do when a consumer disputes inaccurate information in their credit file.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

Experian is stating that my XXXX 2014 payment for the mortgage account XXXX with XXXX XXXX XXXX was 30 days past due. XXXX XXXX XXXX previously listed the payment due that month as past due incorrectly, but I worked with them to have the error fixed through a CFPB dispute earlier this year. I have a letter from XXXX XXXX XXXX that clearly states that this payment was not late - and the other two credit bureaus removed the late payment from my credit report, Experian is the only company that still shows this payment as late.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX, XXXX, at approximately XXXX XXXX called Equifax about a charge appearing twice on my credit report. I asked the agent where he was located and he told me the XXXX. I asked to speak with someone in the United States because frankly, I do n't understand how this company is allowed to still operate, let alone offshore. I was told I was being transferred to a U. S. agent, but I was on the line for over 20 minutes with just music playing. No one or no recording letting me know I had even been connected was available to me.
Consumer complaint received 2017-10-13
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. (WA)

I 've contacted the 3 credit report bureaus XXXX Equifax, XXXX XXXX, and XXXX XXXX back in XXXX to provide validation of all negative items on my reports and asked them to provide with copies of any documentation associated with these negative accounts, including the original contract, bearing my wet signature to prove that the companies 's claim were correct. It is the 3 bureaus 's responsibilities to verify these claim before they added to my account. They failed to verify the account themselves and just " asked '' these companies or banks to verify for them and called it an investigation. I have n't heard anything after I sent out the 2nd dispute letter and they have failed to provide proof within the original 30 days I gave them. 

I have a letter to all the credit bureaus : Dear Equifax, XXXX XXXX, and XXXX! 
Please provide the XXXX of XXXX with the Original contract with wet ink signatures that granted you our Permission to hoard our personal information. Failure to provide this contractual agreement to each and every XXXX constitutes a privacy right violation according to the Privacy Act of 1974. The Privacy Act of 1974 also serves as a Public notice on the behalf of all Consumers in each State including the District of Columbia due to XXXX being a publicly traded company! We the Consumers have grown tired of the false and misleading practices you have portrayed!! 
Portraying XXXX and XXXX Practices are also violations of FEDERAL LAW! 15 USC 1692 ( e ).  All Consumers demand that all Personal information retained in your companies systems be removed immediately and damages of XXXX XXXX Dollars ( USN ) backed by gold be credited daily to each Social Security Number Available in your system. Consumer 's name and personal information ( which are copyrighted as intellectual property ) has been leaked by your company and has continued too injured Consumers daily as your Systems are primitive in Nature!! 

Please help investigate their failure to comply and this has seriously hurt my credits and my ability to getting a loan or mortgage. 

Thank you very much!
Consumer complaint received 2015-08-21
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (WA)

On XXXX XXXX 2015 I went to US Bank and told them I did not want my MTG payments for XXXX XXXX XXXX to be taken out of my bank account anymore. XXXX XXXX XXXX was changing my loan amount I did not know to exactly what amount. I only had a certain amount going into US Bank each month and I did not know if it would cover the new amount. I needed to pay my own bill. I asked what I had to do to make it so that XXXX could not draw any amount from my account. I repeated several times that I did not want XXXX to withdraw any amount from my account. The woman asked me several questions and said it was completed. There would be up to 2 years. They could not take any money. When we finished I asked if I had to go to XXXX to close any paperwork I was told no that this would not allow XXXX to draw any money from that day on. I kept asking her if she was sure everything was done she said yes. On XXXX XXXX I went to cash my XXXX check. I wanted to just cash it and not put it in the bank. The cashier only allowed me {$500.00} she said they had to put a hold for 3 days. I became very busy on Monday and Tuesday so I could n't go get my money. On Wednesday I went to get {$200.00} and all my money was gone. I asked how that could be because there should have been {$1200.00} at the least in my account. They told me they paid out {$1400.00} to XXXX this was done on XXXX/XXXX/15 I said I had put a stop payment on XXXX/XXXX/15 and was told that was all I could do. I found out since I could have gone to XXXX and ended this immediately. I asked US Bank why when I asked if I should go to XXXX and they said not necessary why they lied. They said they do n't and I said you mean you would rather hurt your own customers then I left.
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Adjustment Service, Inc. (CA)

XXXX XXXX placed over {$700.00} into collections with Diversified Adjustment Service stating that I owed them money for wireless services. After speaking with the collection agency they indicated an address ( XXXX XXXX XXXX, CA ) that was used to establish services. I have NEVER lived at that address and it appears I have been a victim of identity theft. As a result the collection item has been placed on my credit for ALL three major credit bureaus. XXXX XXXX has refused to remove this item from my credit and has reported FALSE information. They have violated the FCRA/FDCA by sending this item into collections. 

Diversified Adjustment Service has continued to report this account on my credit and has violated the FCRA/FDCPA.
Consumer complaint received 2017-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NY)

I was part of the Equifax data break. On XXXX XXXX I filed out the preliminary paperwork. On XXXX XXXX I had access to the next phase - to fill out the XXXX ID preliminary paperwork. After filling out this paperwork, I was told I would get an email to activate the account. 

This email arrived on XXXX XXXX. The link however does not work -- the system is always busy, or it asks for my date of birth and then states that it can not continue. 

I called the number listed on XXXX XXXX - and was told that they could not assist me, they can only help with website issues. 

I have continued to try to access the site without success. I reached XXXX on the phone today -- he tells me they ca n't find any information on me. I am transferred to Customer Service. That agent XXXX XXXX XXXX also ca n't find my information and gets XXXX, a supervisor, on the phone. XXXX tells me that I am not showing up in their system and I need to start the entire process over again! 

I have spent more than a month trying to obtain the XXXX ID service they have offered without success. Now I am being told to start again -- and wait yet another month! 

My biggest concern is how did they lose the information and paperwork I have already submitted!! So not only was my information part of the breach - they have now lost my paperwork to protect myself from their original error. 

This is disgraceful and something needs to be done to protect me from their incompetence.
Consumer complaint received 2017-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jason A Craig, PC (GA)

I received letter from Jason A Craig Associates stating they are collecting for City of XXXX XXXX. I did not receive any correspondence, letter or phone call from XXXX XXXX XXXX XXXX regarding this. After contacting Jason Craig, I found out the collection was from the XXXX XXXX XXXX XXXX utility department. 
I contacted XXXX XXXX and tried to find out what it was for. I did not have any utilities with the city on any more in 2017. I met with the city billing department and cold not verify the amount owed, since I had final billing statement showing XXXX balance past due. 

I talked to XXXX XXXX XXXX XXXX Clerk by phone about a week after, and discovered there had been a small payment made on computer that was rejected by their automated payment system. I was never billed for this unpaid amount. I paid the amount in question about {$41.00}. I was assued by XXXX XXXX XXXX this would be clarified and I would not have to take any further action including the credit reporting and the Jason A. Craig Associates correspondence. 

To date the balance still shows on my credit report a negative past due unpaid balance and copy is attached.
Consumer complaint received 2017-10-11
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Greetings! 



Bank of America is stealing money from my saving account. I had transferred {$2000.00} from my checking account to my saving on XX/XX/XXXX. I had $ XXXX+ $ XXXX= XXXX.
I checked my account few days after the transferring of the {$2000.00} from my checking account to my saving.
I found out I had only {$18000.00} in my saving instead of the 20.000.00. I was extremely surprised & shocked.
I tried again several times. I also tried to print the statement after I checked my account. But it wo n't show my saving account.
I decided to call Bank of America. The person whom I talked to told me that I have {$18000.00}.
I was more upset. Because that means, they really are stealing money from my account. After I confronted them they added few hundred .
Then, I decided to go to XXXX XXXX XXXX on XXXX XXXX, my self to talk to some one.
I 've spoke with XXXX XXXX. XXXX printed statement dated form XX/XX/XXXX XX/XX/XXXX. That 's shows only my deposit of {$2000.00} only. Nothing shows about my saving account.
I told him I 've lost {$1000.00} from my saving account. XX/XX/XXXX told me to bring him my statement to show the saving account that was {$20000.00}.
I know now why XXXX XXXX XXXX  wanted us to have paperless account.
I want to get all my statement in paper. NOT paperless, since XXXX XXXX XXXX is not letting us have any print of our saving account.
This is not the first time XXXX XXXX XXXX steal money from me. My sister too her account was missing {$2000.00} too. But she just decided to close her account with XXXX XXXX XXXX since she does n't live in the States, Sincerely yours, XXXX XXXX
Consumer complaint received 2017-10-10
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. (CA)

Writing to this company last XXXX XXXX, XXXX is not useful. I have disputed several items incorrectly reported on my credit report. The item such as Bankruptcy which I verified with the court has been dismissed last XXXX XXXX and this company claims it was verified. This must be taken care immediately. Alo, there are still items listed on the attached copy of the letter I sent this company that is reporting inaccurate and incorrect pieces of information such as the highest balance, account opened date, status, payment history which does n't seem to have been investigated.