davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-14
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$21000.00} ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022. According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2018-05-09
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Nationwide Debt Reduction Services, LLC (IN)

Misleading Debt settlement notice from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX asks the consumer to contact our offices at XXXX within 10 days of receiving this notice. They assume that you have a outstanding credit balance and use the phrase **Failure to Call ** ominously highlighted in the middle of the page as a scare tactic. If you read past the middle of the page, the fine print explains that the example savings of over 40 % is Based on a single consumer situation who completed the entire program ... results from 2011 and that program fees are separate and not included in the example.
Consumer complaint received 2023-10-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Here is the details, 1. My Credit card statement amount {$5700.00}, due date is XX/XX/23 2. I paid {$5300.00} by BOA internal transfer on XX/XX/23, short paid {$430.00} 3. XX/XX/23 I found short paid and paid balance {$430.00} by BOA internal transfer 4. I was charged interest {$210.00} for 4 days late payment amount of {$430.00} 5. I called BOA credit card company on XX/XX/23, asked them how interest calculated as {$210.00} for only 4 days late payment amount of {$430.00}, they said interest is calculated by {$15000.00} of annual interest rate 17.49 % not late payment amount of {$430.00}, they refused to reimburse incorrect interest {$210.00}
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (UT)

THIS ACCOUNT IS PAST ITS EXPIRATION DATE OF XX/XX/2023!!!!! 

ITS A CHARGED OFF ACCOUNT & IS PAST THE FCRA LAWS TO REMOVE A NEGATIVE ACCOUNT AFTER 7 YEARS!!! 

CHANGING THE LANGUAGE TO " SOLD TO ANOTHER LENDER '' DOES NOT CHANGE THE FACT IT WAS ORIGINALLY CHARGED OFF AND IS A NEGATIVE ACCOUNT!!! 

IF IT IS NOT REMOVED THIS TIME I WILL SUE YOU & XXXXXXXX XXXX! I ALREADY FILED A COMPLAINT WITH THE DE DEPT. OF CORP. AGAINST XXXX AND CFPB IS STARTING TO PAY MORE ATTENTION TO FCRA LAW VIOLATIONS. YOU BOTH SHOULD BE CAREFUL!

YOU ARE BOTH IN VIOLATION OF THE FCRA LAW AND MY OTHER CREDITORS ARE INVESTIGATING EQUIFAX ' CREDIT REPORTING PROBLEMS AS I'VE GOTTEN THEM INVOLVED IN THIS PROCESS AND HAVE SPOKEN WITH THEM BY PHONE! I SUGGESTED THEY NOT DO BUSINESS WITH YOU EVER AGAIN!!!
Consumer complaint received 2023-09-18
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. (MO)

XXXX XXXX XXXX XXXX settlement XX/XX/XXXX. I had 3 loans which met this criteria each one was established during XXXX by XXXX XXXX XXXX According to the attorneys general, the interest that accrued because of XXXX forbearance steering practices was added to the borrowers loan balances, pushing borrowers further in debt. The private loan debt relief will primarily go to borrowers who took out private subprime student loans ( made to borrowers with low credit scores ) through XXXX predecessor, XXXX XXXX, between XXXX and XXXX, and then had more than XXXX consecutive months of delinquent payments prior to XX/XX/XXXX. Per them report to XXXX my last payment was in XX/XX/XXXX on a accounts established in XXXX. and each of had no payments in XXXX they all became delinquent with XX/XX/XXXX day and charge Offs in in addition they were deferred in XXXX XXXX XXXX and XX/XX/XXXX. 
Generally, only loans that were within a statute of limitations period or still credit-reporting as of XX/XX/XXXX are within the scope of the debt relief. 
With XXXX XXXX still reporting credit reporting these 3 accounts past XX/XX/XXXX, and not following the Judgement. I am requesting the loans to be removed from my credit file from XXXX and Experian and all remedies applied per the settlement.
Consumer complaint received 2022-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX  is reporting on my report as a charge off, but with a balance. If it is a charge off they have already been paid for it. Also XXXX is part of a class action lawsuit that I am included in that reveals that they are incorrectly reporting information. Per 604 A 15 Us Code 1681 B, I never gave written consent to furnish any information about my account and per 605A 15 1681 C1 no written consent is considered identity theft.
Consumer complaint received 2018-05-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

XXXX XXXX XXXX has been harassing this household since at least last year. They are calling for a family member who does NOT live here or at this number. They call from different phone numbers. They have been told the above information but they still constantly call. They hang up on answering machines. I have pictures of the caller ID to prove this. Here is a sample of there harassing calls. From XXXX on XXXX at XXXX and XXXX. From XXXX on XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. From XXXX on XX/XX/XXXX at XXXX. They clearly spoof their numbers most likely to avoid being blocked from one number. I do not know what they are looking to collect or if any debt is valid. There is plenty of negative information on the internet about this companies illegal practices. Threatening and harassing this household is no longer acceptable. They are looking for someone that, again, does not live here, and they have been told that endless times. The calls must stop.
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2023-10-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX Balance : {$19000.00} ; XXXX XXXX Balance : {$2300.00}
Consumer complaint received 2023-04-19
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. (IL)

Hello do XXXX XXXX THE NOST TERRIBLE COMPANY EVER HOUNDED ME EVERYDAY FOR MONTHS AFTER i told them I was a struggling XXXXXXXX XXXX working and was going through mental trauma!!! They offered me a 2 month extension on my loan!!! Said my payments would all be current that were coming and we made a agreement!! Time pases I Pay when XXXX Came boom late payments!! Including finance charges and fees!! This is beginning to feel XXXX. The people at this establishment belittled me for being in a time of need had no care while Im taking care of the XXXX XXXX  while people are quitting left and right all I asked for was a break and they lied to me. And ruined my mental with this car loan the loan itself is fine i can pay it but the audacity to put late payments is so disrespectful so illegal, but also unlawful. I am need if the CFPB to clean my report up please force the hand of these unlawful companies and Bureas!! I got the late payments removed and they ILLEGALY put the late payments back on my report!! Without informing me or notice!!
Consumer complaint received 2023-10-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kurt A. Holmes, PA (KS)

Writ of garnishment. Start date XXXX. Total garnishment amount {$690.00}. To Payee, Kurt A. HolmesXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. For judgement creditor XXXX XXXX XXXX XXXX Case is from XXXX I never received any communication on this. Also debt is XXXX years old. Way past statue of limitations.
Consumer complaint received 2024-06-05
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. (TX)

Transunion, XXXX, & XXXX continued to state they verified a bankruptcy that I know to be inaccurate and they have not provided any evidence that they did an investigation since this could not be resolved I have initiated arbitration proceedings and this is notice each consumer agency needs to pay the arbitration fees so we may litigate this matter.
Consumer complaint received 2023-11-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened an XXXX XXXX XXXX card, the welcome bonus was XXXX XXXX points if I spent XXXX or more in 3 months. 

I fulfilled that roughly a month ago ( XXXX ), and XXXX of the spending was federal tax payment. 

I didn't get the bonus about a month ( XXXX ) after the fulfillment, I contacted Amex. They told me the welcome bonus attached with my card and I had an estimated charge of {$5600.00}. I thought I had fulfilled the spending requirements. 

After a few days I still didn't get the bonus and I contacted again. This time the agent told me my tax payment doesn't count as qualified spending, that's the reason I haven't got my bonus. 

I doubt this since I don't see this is mentioned in their service terms and I can see that many cases online showed that it does qualify. Examples : https : XXXX
Consumer complaint received 2023-10-14
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. (TX)

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ( UNAUTHORIZED INQUIRE ) XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX XXXX XXXX open date XXXX XXXX XXXX
Consumer complaint received 2023-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (VA)

I submitted my PSLF form on XX/XX/2023. When I submitted it there was language on the website that all forms would be processed within 30 days. 30 days have lapsed, so I called Mohela and they stated that it is taking 45 days now. If you commit to 30 days to process a simple form then they need to honor that and not change it mid-way after submission. I have also spent two plus hours waiting for someone to answer my calls. They are making a lot of money servicing loans and should adequately staff and resource to fulfill their contract obligations. 

They should process simple forms within 30 days. And not change their policies after they have committed to this when you upload a form.
Consumer complaint received 2023-10-14
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Tesla, Inc. (MN)

I was inquiring about the lease incentive from Tesla. They told me it was a {$7500.00} incentive. I asked how it was applied and was told they will provide those details to start my order, which has a mandatory {$250.00} fee to proceed. Once I proceeded, I was not given any explanation as to the lease terms or how the {$7500.00} incentive is applied. By my calculation, given the money factor shown ( which was also in no way explained, I had to XXXX what it meant ), that not only is the {$7500.00} not applied, but the money factor is severely understated, and the effective APR is in the 100 % + range. 

Even more deceptive in the practice is that you are told if you accept the lease ( without being given appropriate terms ), you may not change to cash or other financing options. So I am forced to blindly accepting dishonest lease terms if I want to read why they are dishonest. 

I tried contacting a sales rep several times throughout the day, was provided a phone number that did not work. I requested a {$250.00} refund through the online contact feature and was told they would not refund my {$250.00}. 

Unrelated to my complaint on their deceptive acts above, they lease term said it was valid for 60 days, but I have to reapply every time I refresh the app. There is not a way through their app ( the only interface available to me ) to see the existing lease terms. They give me no way to honor the 60 day approval.
Consumer complaint received 2023-10-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Recovery One, LLC (OH)

i sent a debt validation letter, on XX/XX/XXXX XXXX requesting validation under the fair debt collection practices act, 15 USC 1692g. the company has not responded to this validation request within the 30 day time frame.
Consumer complaint received 2023-04-19
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : BankruptcyXXXX Case Number : XXXX, XXXX - XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2024-04-05
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$190.00} XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$6100.00} XXXX XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX  XXXX XXXX XXXX XXXX : {$4800.00} XXXX  XXXX Balance : {$11000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance XXXX {$5600.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) Balance : {$540.00}
Consumer complaint received 2023-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MN)

I had issues with a credit report that was different from the reports I have access to. 

Credit reports are being withheld and the numbers used aren't being shares with consumers who need to know exactly where they stand before applying for credit and further damaging their sensitive information. 

My credit score with XXXX had never been under XXXX for the last 24 months and when I applied for a rehab loan it was reported I had a XXXX. 

I was told by the company there's 20 different reports, I was sent a credit report directly from XXXX and the report was even higher at XXXX. Then once I requested information and later applied for credit the score dropped XXXX points to XXXX. 

Then I later was refinancing the same home that I was trying to get a rehab loan on and was told XXXX had my score at XXXX. In these months credit score has been all over the place and when logging on to XXXX XXXX I discovered several erroneous findings showing {$90000.00} debt and collections which I don't even have. 

Somehow its seems retaliatory or vindictive to have my scores assaulted and manipulated to further my business and financial demise since lending and credit is a huge part of advancement and it's unfair and unjust.