davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

I have reached out to the credit agencies regarding XXXX ACCOUNT # XXXX, listed on my consumer profile, which has never been properly verified. I HAVE ALSO CONTACTED XXXX, who also failed to provide the proper verification of debt. I have received correspondence from a agent inside of the XXXX XXXX off by the name of XXXX, who said the verification would be provided shortly, violating the FCRA by not producing this evidence within a 30 day period. I then allowed XXXX even more time to provid this wet ink signature contract, which they have only sent a summery of the account statement, TITLED, VERIFIACTION OF DEBT. AFFIANT, ME, XXXX ; XXXX XXXX XXXX, have never seen or witnessed any contract between myself of this corporation. PER FCRA 609a, if this documentation can not be provided within 30 business days, this item must be permanently deleted from my consumer file. ACCOUNT SUMMARY is not valid verification of debt. I HEREBY REQUEST THAT THIS INFORMATION IS DELETED FROM MY CREDIT REPORT WITHIN XXXX business days. THEREFORE, this is a form of fraud, and XXXX has mislead the public, my defaming my name and credit worthiness. Shall these items not be deleted, a litigation process will begin. Please see the attached documentation
Consumer complaint received 2023-08-08
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. (TX)

According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


I furnished all the above information to XXXX, XXXX and Transunion and mailed and delivered it to them on XX/XX/2023. According to the law they should have all deleted every report I made in the identity theft report which I will attach. Only experian have done so. Transunion and XXXX have yet to delete it and its way past the 4 days.
Consumer complaint received 2022-09-09
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. (TX)

they are reporting inaccurate and incomplete information on my credit report the notation of the following late payment Is inaccurate please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late by provisions of consumer protection laws I demand that if unable to do so or lacking proof of these payments being late please update my payment history to paid PAANL ( Paid As Agreed Never Late ) and supply a connected credit profile to any creditors who have requested a copy of my credit report in the last 6 months Im also requesting the description of the procedure used to determine the accuracy and completeness of the information I have read that this should be provided within 15 days of your reinvestigation I also read that under federal law, you have 30 days to complete your investigation. 

XXXX XXXX XXXX Inaccurate Payment History XXXX  XXXX- Inaccurate Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate Payment History
Consumer complaint received 2023-08-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately
Consumer complaint received 2023-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: S&S Physician Services, Inc. (TX)

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 : # XXXX, Harvest Associates Inc : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I ordered a copy of my report on XX/XX/2022, and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Status of these reporting Accounts : XXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX : {$420.00}
Consumer complaint received 2022-12-20
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. (NY)

XXXX XXXX is displaying a balance of XXXX dollars on my credit reports but when i log into the site my balance is XXXX AND WHEN i call on the phone i have no balance. the last update i saw for XXXX XXXX was XX/XX/XXXX and it shows i have a balance of XXXX dollars on all my reports. This has been this way for months, this unacceptable and false information.
Consumer complaint received 2024-04-03
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. (MD)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-08-08
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. (IL)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$2900.00} XXXX  XXXX Balance : {$32000.00} XXXX  XXXX Balance : {$33000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXXXXXX Balance : {$6000.00} XXXX XXXX XXXX Balance : {$5300.00}
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO Bank, N.A. (NC)

Issue # 1 : This account was involved in a foreclosure that occurred in XX/XX/2011. We surrendered the property to the bank, which resolved any balance owed. This account still reports a balance of {$80000.00} on our credit report, but it should report as {$0.00} owed. 

Issue # 2 : This account is also reporting that we are actively 120 days past due. Once again, we surrendered possession of the property, associated with this account, back to the bank in XX/XX/2011. The account was obviously closed at that time. Despite that, BMO Harris has continued to report this account as continuously 120-days delinquent for 7 years now. The account should report as a charged-off collection as of 2011. 

Issue # 3 : It is my understanding that a creditor can only report negative information about an account for seven years according to the Fair Credit Reporting Act. From what I can see, this account has exceeded that standard. Simply put : We question the validity of this account still appearing on our credit report at all.
Consumer complaint received 2023-08-08
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. (IL)

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.
Consumer complaint received 2022-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

I have contacted all 3 buereas about a hard inquiry that was not authorized by me " XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX XXXX florida XXXX XXXX as well as a collection of {$1000.00} from " XXXX XXXX XXXX '' I am unaware of the collection this was not authorized by me. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX tn, XXXX I asked that these things be removed from my report as of XX/XX/2022.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AL)

On XXXX, 2022, while I was at home, I had XXXX Chime Bank notifications appear on my phone stating XXXX transactions that were processed, XXXX for XXXX XXXX for {$28.00} and the other for XXXX for {$110.00}. Since I knew that I did not make these transactions I automatically thought that my debit card number must have been compromised. I contacted Chime support to immediately dispute both charges and locked my debit card. I was also able to go ahead and order a new debit card which automatically cancelled the original card. Once I submitted the info it stated that I would be contacted by support within XXXX hours. I did hear from them until that following Tuesday. The person I spoke to stated that both transactions were still pending and the disputes could not be filed until both transactions were out of pending status due to sometimes these types of transactions may fall off. Also, they stated that they could issue a provisional credit for both while the disputes are being investigated. Once the {$28.00} transaction cleared, I was granted a credit for that amount. At this time, XXXX was still pending. I checked my account XX/XX/XXXX ( or XXXX ) and saw that the {$110.00} transaction had cleared my account but at the amount of {$100.00}. I checked my chat stream with support and noticed that it stated that the issue was resolved so I went ahead and contacted them again to let them know that XXXX had cleared so they could investigate. Again, was told I would be contacted within XXXX hours but this time I heard from no one. Today, XX/XX/2022, I contacted them again but by phone. I was informed that I would not receive a credit for the {$100.00} because it did not qualify because it was in a pending status at the time. I told them if that is the case then why was the other transaction able to be credited when both transactions were done on the same day within the hour and I reported both of them together at the same time. The representative just kept repeating that the transaction didn't qualify. So I am out of {$100.00} that I did not spend or authorize to spend.
Consumer complaint received 2018-10-01
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: EQUIFAX, INC. (PA)

In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I duspute the following inquiries with the credit bureaus and also with the perspective companies. 

The companies have not responded and the credit bureaus are continuing to report them on my report. 

I do not have any credit line with these companies, i have not applied for any credit nor have I received any firm offers of credit from these companies. 

They are as follows : -XXXX XXXX -XXXX -XXXX XXXX
Consumer complaint received 2015-03-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AE)

My mortgage company refuses to issue my 2014 year XXXX. I am a XXXX XXXX service member, serving an overseas assignment, that I had to request my CPA to file an tax extension since I can not get this tax document from my loan company.
Consumer complaint received 2023-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to 3 credit bureaus were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts/Inquiries that are still reporting on my Credit Reports : 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
Consumer complaint received 2018-04-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: COMMERCE BANK (IL)

On XX/XX/XXXX I called Commerce Bank regarding their attached promotion, Check300, '' Get up to {$300.00} for opening a CommerceRelationship Checking account + a Money Market account1. '', and asked their representative if I could open the Checking account online and receive the bonus, and she asked me what state I lived in and told me that if I opened it by XX/XX/XXXX, I would receive {$200.00} as long as my account was in good standing for 90 days after opening, but if I wanted the {$300.00} bonus I would also need to open a Money Market Account in the Branch. I told her there wasn't a Branch close by, and I was only interested in opening the checking account, and asked her if there was any fees to the checking account, and she said there is a $ XXXX monthly fee that is waived if you have {$5000.00} avg. daily balance. I then opened the account, and called in after 90 days asked why my {$200.00} bonus had not been received, and the representative asked my account number and after checking I was told that the {$200.00} would not be deposited until after 3 full statement cycles. On XX/XX/XXXX, I still had not received the Bonus and called back again, and spoke with XXXX  who verified me and said she would check with those responsible for the Bonus and call me back tomorrow. Not receiving the promised call, I called back on XX/XX/XXXX, and was told that they did not get a response to the email that was sent to the Bonus dept. and they would check with them and call me back tomorrow. Not receiving the promised call, I called back onXX/XX/XXXX, and asked for a Supervisor and spoke with XXXX  who asked me in detail about the online bonus offer I accepted and apologized, gave me her phone # XXXX, and said she would make sure she had an answer for me if I could wait until XX/XX/XXXX, and she would call me early. She called, and said the Bonus Dept. wanted to know if I got a personal letter or email invite for the Bonus offer, and I told XXXX   that as I previously told her I called in regarding the online offer, and confirmed that I was receive it. She said she would get back to me tomorrow. I did not hear from XXXX  and put a call to her Voicemail yesterday, and still no response.
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

Hi, I received an email from XXXX for credit alert as below on XX/XX/XXXX the following change to your credit file has been detected. 
Change : Major Derogatory Account XXXX : CAINE & WEINER Reported by : XXXX Below are details I found when i login to XXXX. 

Account info Account name : CAINE & WEINER Account number : XXXX Account type : Collection Responsibility : Individual Date opened : XX/XX/XXXX Status : Collection account. {$150.00} past due as of XX/XX/XXXX. 
Status updated : XXXX XXXX Balance : {$150.00} Balance updated : XX/XX/XXXX Recent payment : - Monthly payment : - Original balance : {$150.00} Highest balance : - Terms : 1 Months On record until : XX/XX/XXXX Original creditor : XXXX Contact info Phone number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am never a customer of XXXX, This is Fraud. Please help
Consumer complaint received 2023-08-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Receivables Fund Incorporated (NY)

I recently applied for a mortgage and I was told that a judgement was filed under my name for a XXXX account that was opened under my name in 2015. I have never had a XXXX account in my life. Someone must be using my information.
Consumer complaint received 2019-11-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION (NJ)

Client is being harassed by Sallie Mae for her daughters account. She is paying her own loan and its current, but they constantly harass her even after shes asked not to be called at that number and that she doesn't know anything about her daughter they continue to call.
Consumer complaint received 2023-06-14
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Centralized Business Solutions Company (OH)

After the collection agency had called me 3 or 4 times, leaving a voicemail message, I returned their call and asked that they do not call me, that they can send notice by mail to my address, since I only use my phone for emergency purposes. The agent replied " we tried that and it didn't work ''. I hung up on them at that point and have never answered any of the over 50 calls with voicemail they've made. Call frequency is to call back in 1 to 5 days later. Most often they will call every 2-4 days. This has gone on for at least 6 months and I feel harassed. 
The agency has already entered a non-payment record in my credit report, yet still tries every 2 and 4 days to contact me. I have blocked the # but it still goes just immediately to voicemail and they always leave the same recorded message.
Consumer complaint received 2023-05-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC (IL)

Hello, This in regards to The Lawsuit against XXXX XXXX XXXX whom filed for Bankruptcy and voided our contract. Now, the financial institution called Goodleap is still trying to collect monies from me when this Bankruptcy is still in session. Goodleap is trying to have another company take the place of XXXX XXXX XXXX, but I don't want the company or any XXXX anymore. I do not want another company, I want them to only take these panels off of my Home Please. That's all I want, I'm not signing any new contracts at all. So, please tell Goodleap to leave me alone, they will not receive anymore payments from me for these faulty XXXX panels I've had for over 2 yes with no less of a bill. So that's what they can do, schedule someone to come get this cheap stuff my home and fix my roof back. I really want my money back also, Thanks.
Consumer complaint received 2023-08-08
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. (SC)

I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.