davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-19
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. My fortitude is really sinking at the moment. My request has been deserted again and again. I have done this thing for how many months now? Sending dispute letters, submitting complaints to the bureaus, and here at the CFPB but still no one looks to care! What else do you need me to do for you to take action on my dispute? You keep disregarding my requests and letting this fraudulent account distress my credit score. This fraudulent item should be REMOVED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. I have sent my documents, the FTC report I filed on their website, and the Police Report which I filed on my local Police Department to make things clear that I am an IDENTITY THEFT VICTIM. I am trying to acquire credit and it is affecting me too much emotional and financial distress because of this account that does not belong to me which is reported mistakenly. PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX  XXXX Date Opened XX/XX/2018 Balance $ XXXX Late Dates XXXX
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (CA)

On XX/XX/ I received an alert in regard to my credit report stating that there was a new collections added to my report by Amsher Collection Services. However, Amsher has failed to notify me of this alleged debt with information that refers to this debt that they are trying to collect on.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

Loan and Security Agreements and Disclosure Statement signed on XX/XX/XXXX between XXXX XXXX XXXX and SCHOOLSFIRST FEDERAL CREDIT UNION has had a billing error on my account since the opening of it. ( 12 C.F.R 1026.13 ( b ) ). As stated under the TRUTH IN LENDING DISCLOSURE : Amount Financed The amount of credit Provided to You or on Your Behalf. 
{$26000.00} Evidencing a consumer credit transaction as my social security card number was ran in which is where the amount of credit of {$26000.00} was provided on my behalf for the payment in full on credit. Further proof is under section 13 of the SECURITY AGREEMENT that states : NOTICE : ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLIAMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALLE NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 

In accordance with 16 C.F.R. 433.2 as the notice above is only used with any connection with any sale or lease of goods or services to consumers. As well as under 14 it states : You promise to use Your account for consumer ( personal, family, or household ) purposes, unless the Credit Union gives You permission to use the account for agricultural or commercial purposes, including, but not limited to, use of the Property in partnership with a transportation network company, or to purchase real estate. In which the Credit Union and I both agreed this use of property was only for consumer purposes only.

Under ITEMIZATION OF THE AMOUNT FINANCED it clearly states : Itemization of Amount Financed of {$26000.00} Amount Given to You Directly {$26000.00} Making it clear the amount I promised to pay the car of {$26000.00} was fulfilled when signing and transferring the Loan and Security Agreements and Disclosure Statement back to SCHOOLSFIRST FEDERAL CREDIT UNION for my property, XXXX XXXX XXXX with I.D . Number : XXXX. In which should of never lead to me paying FISTSCHOOLS FEDERAL UNION monthly as my property was paid for on credit and no cash transactions can/should be taking place when a consumer credit transaction took place in the first place. Attached is the letter sent in which got delivered XXXX at XXXX in which has not got any response back from!
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is the second complaint I have been forced to file against TU but after continued attempts and repeated ignoring of this serious issue I feel it is necessary to file a stand-alone dispute regarding their mishandling of ADA regulations and the abuse of XXXX individuals. 

I have been attempting for over two months to submit documents to TU. The agency has blocked my online dispute center. 

When given this information instead of fixing the issue, they say said to fax or US mail the documents in. There is little doubt this is solely to make the process more difficult for me and to discourage me from opening more disputes as I am rightfully able to do - especially since I am the documented victim of XXXX and financial fraud.

Over the past two days this has continued, both on the phone and in the chat portal.

I am transferred repeatedly on the phone until " dropped '' and the chat simply states they are waiting to transfer me and leaves me sitting online with no response. 

I have informed the company not only am I legally XXXX, but I am the XXXX XXXX XXXX XXXX XXXX. I am fleeing a XXXX  XXXX situation and have had to relocate XXXX miles on a very limited XXXX income. The agencies actions and refusal to block information or take documents is jeopardizing our well being and ability to obtain housing. 

I made an official ADA request to submit the documents online on multiple occasions. I was told the agency " does not have an ADA department or who handles these issues '' and I would have to use the online portal- which they know is blocked totally and has been restricted for over two months.

The agency is aware I can not mail or fax the document, and according to yesterday 's chat the fax option has been removed and the ONLY manner to submit now is US mail or the portal. 

Thus, I am unable to address this issue as a XXXX XXXX. 

I was promised a call back on numerous occasions, and have asked a XXXX department ( which they claim to not have ) return my call for over two months.

NO ONE has called back to date.
Consumer complaint received 2023-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (IN)

Previous debt collection for {$5700.00} for incomplete lease at previous apartment in XXXX. This debt was set to be collected by ProCollect LLC. The debt was then transferred to XXXX XXXX XXXX in XXXX. I paid this debt in full for the deletion of {$5700.00} owed to XXXX XXXX XXXX  on XX/XX/XXXX. While the debt has been deleted through XXXX XXXX XXXX, ProCollect LLC has continued to try to collect on this debt and has verified it is still owed through the three major credit reporting agencies. Per FDCPA, both reports should be removed as the debt has been paid in full.
Consumer complaint received 2018-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

We began trying to refinance our home on XX/XX/XXXX. After providing all of the " typical '' documents needed after the initial approval, we moved on through to the closing disclosure process when our lender checked our credit once more before actual closing only to find some issues on our credit reports. We disputed a few accounts, two in particular, one being CAPITAL ONE BANK USA NA, which was reporting my Chapter XXXX Bankruptcy as though it had happened in XX/XX/XXXX. I filed on XX/XX/XXXX and the discharge was granted on XX/XX/XXXX. As a consumer, the reporting verbiage is quite vague and often does not come across in an adverse way until you try and apply for a loan. ( I realize the accounts included in the bankruptcy are adverse or derogatory for 10 years, however, they should be reporting accurately as to the filing date of XX/XX/XXXX, which is over 3 years ago allowing for us to move forward on an FHA refinance ). However, they are reporting as though the bankruptcy was discharged as recently as XX/XX/XXXX and kicks us right out of being able to close on our loan ... yet again. When we first filed a dispute with all three bureaus regarding the inaccurate reporting, it was supposedly corrected on XX/XX/XXXX and reporting as it should. However, after that initial dispute was resolved, a new one began leading us to the current date. That was resolved on Monday, XX/XX/XXXX so we thought we were good to go to finally pick up where we had left off and proceed with the documentation to get the loan closed. Our lender ran another credit check only to find two of the former accounts we had disputed and were told were resolved were reporting inaccurately yet again. We are now back to square one. Losing out on yet more money each day that passes, our initial interest rate, which was much lower in XX/XX/XXXX than it currently is now and have to wait for this to be resolved yet again in order to try and move forward again.I am providing the initial dispute documentation, the successful fax email I received from my lender for that dispute, my full schedule providing the filing and discharge dates as well as how they are currently reporting incorrectly compared to an account that was also discharged in my bankruptcy and how it reports accurately to illustrate the difference. I am also providing all email correspondence in regards to this previous dispute already initiated and supposedly completed in XX/XX/XXXX.
Consumer complaint received 2024-03-29
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. (GA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under XXXX XXXX. XXXX ( XXXX ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2017-04-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES (FL)

My wife and I planed to have a screened in room built in XX/XX/XXXX, a man came out to my home from a company XXXX and went through everything with us the cost was {$10000.00} we signed paperwork for a loan from XXXX, we never heard from the bank or XXXX. 30 days later we received in the mail a bank statement for the amount of {$5000.00} to be paid to XXXX We called XXXX but could get any answers to why we own money come to find out XXXX went out of business and somehow had gotten money from XXXX ( scam ) and the bank is trying to collect money from us we hired a lawyer to look in to the matter but its been so long ago we though the case was done and free of the bank until it showed up on my credit report judgment XX/XX/XXXX
Consumer complaint received 2023-06-01
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: Cascade CISS Holdings, LLC (MD)

So i recently checked my credit report for experian and noticed I have XXXX inquiries but i dont recognize at least XXXX  of them. Starting with mortgage reporters from XXXX  on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from XXXX ( XX/XX/XXXX ) and XXXX XXXX ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Consumer complaint received 2023-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MO)

My email is XXXX I was sent XXXX from a buyer on XX/XX/XXXX from a car purchase and paypal is refusing to let me use my own funds in my own account for no reason I just opened the account not too long ago and have done nothing wrong they will not let me touch my own money in my own account.
Consumer complaint received 2015-06-12
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Innovative Collections, LLC (CA)

Innovative XXXX XXXX has contacted me on a credit card debt in which they are trying to collect. I have received multiple calls from this company in which they state my name, my mailing address and advise that they are sending out immediate paper from the court county clerks office, If I dont answer the phone they contact relatives and if no answer this is a message that they leave on the answering machine services, they never disclose who they are when they call and they just repeatedly harass me over a debt that is past the 4 year statute of limitations in the state of california, I was able to locate who this company was by reverse look up of the phone number. I have never received any written correspondence from this company just harrasing phone calls. Everytime I speak with these individuals they say somethings coming and nothing ever does just using tactics to scare me.
Consumer complaint received 2024-03-29
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 urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2023-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Wells Fargo has done this to me around 9 times. Wells Fargo offers a service to put a custom image on your debit card. I have actually had this Inage on my card before. I have 100 % permission to use the image. Wells Fargo Keeps rejecting the image. It is ridiculous. I wrote a letter to The President and CEO of Wells Fargo and sent him Proof. I never received a response. PLEASE CFPB, help me get this Fixed. I filed a complaint with the XXXX XXXX XXXX and Wells Fargo send a letter asking me to call them and open a case. I called them yesterday. I was transferred and put on hold. I wasted over XXXX minutes on the phone and nothing was resolved. I should not have to go through this every time I change the image about 1 time a year. PLEASE CFPB help me resolve this with Wells Fargo. They need to put the image on the card and we all can move forward. My Bank XXXX Wells Fargo ) offers this service and they are denying it to me. Again This is an image I have had on my card before. Thank you CFPB!!
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-01
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

So i recently checked my credit report for experian and noticed I have 9 inquiries but i dont recognize at least 4 of them. Starting with mortgage reporters from XXXX on XX/XX/XXXX and XXXX XXXX XXXXXXXX on XX/XX/XXXX. I then have gotten false credit card inquiries from XXXX ( XX/XX/XXXX ) and Capital One ( XXXX ). I have called both banks trying to resolve these issues before but they dont care to help.
Consumer complaint received 2017-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Bread Financial Holdings, Inc. (CA)

I was XXXX overseas in XXXX and I made a purchase on PayPal for some documents for my XXXX online program. I called and told PayPal that I did not receive the document. I also did not have access to the document.They said it was sent. I had previous document purchases with success. This time it failed and customer service said it was not them. PayPal still tried to charge my bank account. I stopped the transaction and filled out a report with my bank. My bank did not pay. 
A year later, I am in a new country, and I get a letter from XXXX. I wrote them what happen and I got no reponse by them. In my letter I wrote I desputed the allegations with PayPal. I received no letter from PayPal, so I assumed the problem was resolved. 
Another year ( XX/XX/2017 ) later I get another letter from XXXX asking for settlement for XXXX on the PayPal account.
Consumer complaint received 2018-04-12
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)

I have two unfamiliar items on my credit report. After speaking with TransUnion they advised me that I could place a security fraud alert on my credit report and also file an identity theft report. I mailed the information in XX/XX/XXXX and was told that it was not received so I called and was advised by a supervisor to fax my request over. I faxed my information on XX/XX/XXXX and I called after business days to confirm that my fax was received. However, TransUnions has still failed to removed these 2 items from my credit report per the fair credit report act section 605B.
Consumer complaint received 2023-06-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (OR)

Exeter was gracious enough to honor me with a loan on a vehicle. Which I repaid the guester in kind with making on time payments. Every single month. The car got totalled in XX/XX/2023. I spoke with insurance and Exeter in regards to process of handling the claim from both insurance and banking ends. As you see from Exeters own accounting I was never late on a payment. In XX/XX/2023 my insurance company paid 99 % of my loan off and on XX/XX/XXXX I paid the remainder of balance of {$410.00} to bring the account PIF. I paid in full even though Exeter offered me a lesser paid off amount but it would show on my credit report as " Setted for less amount ''. And I didn't want that. Exeter has reported to the credit agencies that I was late in the month of XX/XX/2023. As you see by the attached ledger provided by Exeter I PIF on XX/XX/2023. The information Exeter is providing is false. I do not want Exeter to have the ability to just pick a month they want me to be late in. I worked hard to keep them paid for the length of the loan. No matter where the payments came from I ensured that Exeter was paid. And this is how they treat a faithful customer?
Consumer complaint received 2023-06-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (AZ)

Per complaint filed XXXX I have had one and only one XXXX account which was opened almost 20 years ago. I have never had or held a negative balance with XXXX. 

Since filing the complaint, the company has called again. This time, the person on the other end refused to accept that I would not be talking or confirming anything with them and started screaming out Personally Identifying Information ( PII ) over the phone including a SSN. 

This is feeling more and more like a corrupt company trying to illegally attempt to collect a debt. I do not and will not ever conduct business over the phone as debt collectors will always claim that what was said was not said. Only in writing, and the writing you just filled out to this federal agency is very much so fraudulent. My XXXX  account is in good standing and I've never had a negative balance.
Consumer complaint received 2023-08-10
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, a natural human being and consumer, requested my personal information be updated, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022, by certified mail to letter to XXXX and Transunion. 
Today is XX/XX/2022, XXXX and Transunion have chosen to ignore my request and continue to report false information on my credit report, therefore, causing harm to my credit profile and unwarranted stress to me mentally, physically, and financially.