davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-02
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. (IA)

In XX/XX/2019 I went to XXXX XXXX to purchase a new car. XXXX ran my credit, and I purchased my vehicle. In XXXX my son, who already had his own financing set up, and I went into XXXX to purchase a vehicle. My credit was ran then, even though he already had financing set up, and knowing that i would not be able to co-sign for him because I just got out of bankruptcy in XX/XX/XXXX. My credit was pulled 16 times according to my credit report from XX/XX/19-XX/XX/19. Again, his financing was already in place so there was no need to even pull credit. I literally called the financing office at the dealership, walked outside with them on the phone, gave them the vin number, car specifics, and handed my cell phone to the finance manager to finish the transaction. Then on XX/XX/2019 I brought my car in that I bought in XX/XX/XXXX because of a defect of a repair they made when I purchased the car. Instead of just fixing it, they again tried to sell me another vehicle. So they ran my credit another 10 times. So my credit has been pulled 26 times within 3 months from the same company for the same thing. That is excessive. I have disputed with the credit reporting agency these inquiries and I was given some ridiculous reason why this is ok. THIS IS NOT OK IN ANY WAY SHAPE OR FORM.
Consumer complaint received 2021-12-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: PRESTIGE FINANCIAL SERVICES INC (VA)

I purchased a vehicle with prestige financial located in utah. Alot of finance companies love Virginia because if your car gets repossessed you are still responsible for the loan unless one of two things happened. 1 the vehicle was repossessed and you were unable to attempt to retrieve your belongings in which i was never even told where my belongings were being held. 2. The vehicle is sold for an unacceptable amount. The car was sold to me for XXXX but sold at auction for XXXX. That is not an acceptable amount. They also attempted to say the car came back a bio hazard which is totally false. No way you only spend XXXX to prep a car for auction if its a biohazard that was a carpet steam clean. They have even gone so far as to continuing hitting my credit every month AND create Court cases and NOT show up. Because they no they will lose.
Consumer complaint received 2019-12-02
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. (IL)

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, Experian, and XXXX and have yet to receive anything.
Consumer complaint received 2020-08-30
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. (MO)

I submitted letters to all three credit bureaus, XXXX, XXXX, and Experian, on XX/XX/2020 requesting information be provided to me authenticating 3 collection accounts listed on my credit report, including contracts or service agreements that I signed, in accordance with section 609 of the fair credit reporting act. None of the 3 bureaus provided me any information, merely stating that they validated the authenticity of the reports. I would like to see the signed contracts as I believe these accounts to have been made fraudulently. I opened a new dispute through XXXX XXXX on XX/XX/2020 with XXXX with the claim of fraudulent accounts on the reports and again got no resolution, they merely closed the dispute.
Consumer complaint received 2019-12-02
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: Avant Credit Corporation (IL)

I've contacted the company regarding this matter to no avail! I've sent correspondence for the accounts to be validated by both the company and by XXXX, XXXX, and XXXX and have yet to receive anything.
Consumer complaint received 2019-12-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC (GA)

Around XX/XX/19, BMW repossessed my car. 
The car was not 90 day past due. 
BWM added attorneys fees over {$2500.00} to the car not. 
BMW demanded that I pay over {$4500.00}, which included the attorney 's fees, to get the car back. 
The gave me 5 days notice after they took the car to pay {$4500.00} to them.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. 

Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law. 

Please review the attached letter. Thank you for your assistance.
Consumer complaint received 2019-12-02
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. (CT)

An account from XXXX XXXX XXXX Opened XX/XX/2019 have reported on my credit report for a debt collection. This account appeared out of thin air on my report as I did not receive any correspondence pertaining to this collection.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX MORTGAGE AND XXXX XXXX EMPLOYEE was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX MORTGAGE AND XXXX XXXX EMPLOYEE never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-12-02
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. (SC)

XX/XX/2019 I filed a disputed with Equifax regarding 2 fraudulent collection accounts on my credit report, 1 with XXXX XXXX and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract ) it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!
Consumer complaint received 2019-12-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. ()

I paid a reletting fee via money order to XXXX XXXX XXXX in XXXX XXXX AR, owned by XXXX XXXX, however I was later contacted by a debt collection agency stating that I did not pay the debt even though the manager of the apartment complex confirmed that they received it. The manager wont take my calls now to locate the money order and the collection agency wouldnt take my bank statement as proof
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2019-12-02
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (IA)

I have Federal Student loans that are in default with the Professional Bureau of Collections of Maryland, Incorporated, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with PBC of Maryland ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted PBC of Maryland in early XX/XX/2019. The agent I talked with ( XXXX XXXX ), told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on PBC of Maryland 's website ( Invoice # XXXX ). I then called PBCM back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like PBCM/XXXX are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).
Consumer complaint received 2019-12-02
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. (SC)

Equifax is being non compliant with the 605b. I have sent them two disputes and have clearly Ignored my request. I sent my Identity Theft-Related Request to Equifax and they have received the identity theft report and block request with my driver 's license and Equifax does not take cases of identity theft very seriously and as not conducted a thorough investigation. However, Equifax at this time declines to block the information I have identified. This clearly in violation of my rights. If the disputed information is not blocked or otherwise deleted from my credit report file disputing the accuracy or completeness. I will take legal action!!!! I have notified XXXX and all 3 credit bureaus that I am a victim of identity theft. 
The Fair Credit Reporting Act ( FCRA ) gives me specific rights when you are, or believe that you are a victim of identity theft. 
I have the right to ask that a consumer reporting agency block that information from my file. I asked the consumer reporting agency to block the reporting of this information, and also identify the information to block, and provided the consumer reporting agency with proof of my identity and a copy of my identity theft report. The consumer reporting was provided with necessary documentation and is being non compliant **please see attachments for account and account numbers** XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Consumer complaint received 2023-11-23
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. (NY)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

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 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 2020-07-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (ME)

On XX/XX/XXXX, I used the Western Union App to transfer XXXX USD from my checking acct. through use of a XXXX debit card, to a bank account in the XXXX at XXXX XXXX. They told me the available date of pick up by the receiver would be XX/XX/XXXX. The tracking number of the transaction is XXXX. As of this time, the money has not been received. I've reached out to Western Union several times via the phone and on line chat, and all they'll say is that they're looking into it. I was later hung up on several times, and my on line chat was cut off before the issue could be resolved ( by XXXX XXXX XXXX ). Thanks for your help!
Consumer complaint received 2020-07-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (IN)

On XX/XX/2020, a collection agency, Amsher Collections, placed a debt collection on my credit report for exactly {$260.00}, that is not mine. The original creditor is XXXX XXXX XXXX. I have never had services with this copy and/or any company they used to be prior ( XXXX. XXXX XXXX, XXXX ). I reached out to both the collection agency and the original creditor and they both verified I didnt not have accounts within their systems. I filed disputes with the three credit bureaus including ; XXXX, XXXX, and XXXX. I am unsure if they are taking the proper steps to get this resolved. I received a message from XXXX  that updated information was received and the investigation was complete. It is very unclear of the results and I am extremely upset because my credit is being affected by a debt this does not belong to me.
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc. (VA)

On XX/XX/2020 {$700.00} deposited into my account. I already had money on there previously so my total balance was {$910.00}! My account is now frozen on cashapp I cant use it its disabled now where I cant even cash out my fund. My rent is now due its very inconvenient to my child and I right now I need my funds. Its very unfair to ha e my account blocked!
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 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 2020-07-02
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: CITIBANK, N.A. (AL)

Company reported on my credit report that cause in to drop almost 80 point. I have been in Bankruptcy since 2016. The company is part of the bankruptcy and every month once my credit score raises up. The company report negative to my report and cause it drop
Consumer complaint received 2020-07-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I recently got scammed for trying to adopt a dog. I had sent a money transfer through my bank ( Chase ) using XXXX. Having used XXXX before I knew it was reliable. The scammer had shared all his information so I felt comfortable doing the transaction. When I knew I got scammed, I called Chase right away and told them what had happened. The only thing Chase can tell me was that " they can not help me '' and to contact XXXX instead. I contacted XXXX and they just told me to send money to people I personally know. I wanted to complain because it is unacceptable how XXXX is able to be off the hook without helping for a second and Chase not having to hold XXXX accountable even though XXXX can be used directly from Chase.
Consumer complaint received 2020-07-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions (FL)

Rent recovery solutions is charging me XXXX for a monthly rent that was initial XXXX at XXXX at XXXX XXXX!! I tried calling this company to get an explanation of the charges but they either hang up on me or dont answer! I dont believe this is a legitimate company and I need information to be removed from my credit report