davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I purchased this loan product in XX/XX/2019 from XXXX XXXX XXXX for {$12000.00}. I made my payments on time until I consolidated my loans. A payoff check was sent to them from my bank and process on XX/XX/2019. Their company sent me an email stated that my obligation to them was paid in full on XX/XX/2019. I still have that email in my possession and can provide it if needed. I requested a statement from them when they attempt to say that I still owe them money. That statement shows that they processed the check. They are still trying to get more money from me and it keeps increasing. It is also on my credit report. I saw online that they do this to customers that pay off their loans earlier. I do not know what to do and have attempted to resolve this with them. This has really destroyed my credit score. Please help! They should be shut down for these practices. I do not want anyone else to deal with this.
Consumer complaint received 2022-11-29
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 have been asking you to remove these unknown accounts from my report, I am additional proof that I didn't open these accounts. I was told by a legal expert that they may be caused by the Equifax Data breach, so please remove them already.
Consumer complaint received 2023-07-20
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I have tried on several accounts since being notified of this on my credit to have this corrected through disputes and through here. I have spoken with XXXX at XXXX XXXX XXXX Hospital on XX/XX/XXXX at XXXX XXXX she stated that there was no outstanding balance owed from XX/XX/XXXX.
Consumer complaint received 2023-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

Also the Metro 2 Format connects " reasonableness '' and " accuracy '' as mandated under the Fair Credit Reporting Act ( FCRA ).

15 U.S. Code Subchapter V - DEBT COLLECTION PRACTICES I have all the evidence attach below.
Consumer complaint received 2021-01-19
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. (CA)

I paid {$8000.00} off on my credit report and had credit accounts removed and it lowered my score the credit bureaus are not correct when its my life and the documents speak for their self
Consumer complaint received 2022-11-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.
Consumer complaint received 2022-11-09
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 {$310.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-08
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. (VA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Due to being behind on payments, I had my vehicle repossessed by the loan issuer, XXXX XXXX XXXX in XX/XX/2022 for my account XXXX. The amount total amount due at that time in XX/XX/2022, when the car was repossessed, if I wanted to get the vehicle back including the fees for storage, tow, and loan due balance was {$5900.00}. I wasn't able to get the vehicle back. The issue is that XXXX XXXX XXXX is unjustly updating and reporting delinquent payments to the credit bureaus on a car loan account they reported as closed, as repossessed, and has been repossessed for nearly XXXX year. Each month they are erroneously updating the balance on this closed and repossessed account. I have written to XXXX XXXX XXXX several times to resolve the issue to no avail. They ( XXXX XXXX XXXX ) continue to report due balance updates on nearly one year old closed and repossessed account for a car I have not had for nearly a year since they XXXX XXXX XXXX XXXX ) repossessed it. At the same time they held an auctioned for the vehicle with XXXX XXXX XXXX in XX/XX/2022. I am not required to pay a balance on a nearly one year old closed and repossessed car loan for a car that I don't have.
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (AZ)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-09
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. (NC)

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX.
Consumer complaint received 2017-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

The company Conserve has been calling nonstop every day. I have told them to remove my number as I am not the person they are looking for. They hung up and are calling from different numbers. I have no debts and a perfect credit record.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was disputing XXXX service from a Mechanic Shop. They did not do any services in my vehicle but claimed they did. I submitted all the documents they asked for. They advised me on one occasion that I did not need to submit any more documents and that my claim was awarded to me. They credited my account but now they are saying I did not submit the paperwork on time. They denied my claim after they ruled in XXXX  favor. Second opinion from other mechanic has confirmed XXXX that no services were rendered to me.
Consumer complaint received 2022-11-08
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I have sent letters reporting these inaccurate information in my report but I did not see any result, I did not receive any response and or any progress with my complaint.
Consumer complaint received 2023-12-21
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: EQUIFAX, INC. (TN)

On XX/XX/ I sent a letter regarding in accurate and unknown things on my credit report to this day over 51 days later I have yet to receive a response yet. I feel like I'm being taken advantage of and that my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 51 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress that you have caused me. My information was also impacted by the Equifax data breach and may have gotten in the hands of the wrong person.
Consumer complaint received 2022-09-09
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: Experian Information Solutions Inc. (OH)

In Accordance with Fair Credit Report Act XXXX XXXX XXXX opened XXXX XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX balance XXXX XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602-8 states I have a right to privacy, 15 U.S.C 1681 section 604A section 2 also states a consumer reporting agency can not furnish my account without my written instructions.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

( XXXX  INC ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$3600.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2022 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2023-06-14
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. (FL)

Hello, I just did some extra research and I am highly upset of this issue, I have tried fixing this issue with the credit bureaus with my addresses before I noticed they still haven't fixed it, and I still have much more unauthorized inquires, what is wrong with you guys, please help me to get them to fix these errors on my report.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I am writing to express my dissatisfaction and frustration regarding the numerous unsuccessful attempts to remove fraudulent items from my credit file. Despite my consistent efforts to rectify this issue, the inaccurate information persists, adversely affecting my credit score and causing significant distress. 

There are several items on my credit report that are the result of identity theft or fraud. I have submitted multiple dispute requests, along with supporting documentation proving the fraudulent nature of these items. 

I have made numerous attempts to resolve this matter by submitting the required documentation and following the proper dispute procedures outlined by your organization. However, these efforts have been met with limited success, and the fraudulent items remain on my credit report. 

The presence of these fraudulent items has a severe negative impact on my creditworthiness. It hinders my ability to obtain credit, secure favorable interest rates, and negatively influences my financial well-being. 

I kindly request that you conduct a thorough and expedited investigation into these fraudulent items and take immediate action to remove them from my credit report. I have attached copies of the supporting documentation for your reference. 

Furthermore, I expect timely communication and a written confirmation of the resolution once the investigation is complete. It is crucial for me to receive assurance that these fraudulent items will no longer be a part of my credit history. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I will have no choice but to escalate this complaint to regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XX/XX/2022 XXXX XXXX XXXX .
Consumer complaint received 2023-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America took extra early mortgage payments costing us at least {$740.00} in interest On XX/XX/XXXX we paid our XX/XX/XXXX mortgage payment. Between XX/XX/XXXX and XX/XX/XXXX we set up BoA Auto Pay to handle future payments expecting them to start with the XX/XX/XXXX mortgage payment. However, BoA automatically took that XX/XX/XXXX mortgage payment on XX/XX/XXXX. BoA should not have initiated a payment - one that included {$740.00} in interest- when no payment was due for another month! BoA continued taking extra early payments via Auto Pay. BoA took the XX/XX/XXXX mortgage payment on XX/XX/XXXX and the XX/XX/XXXX payment on XX/XX/XXXX ( ref : BoA Mortgage.pdf ). 

In addition, Bank of America erroneously charged us PMI payments totaling {$47.00} The primary originator of our loan wrote on XX/XX/XXXX, " At 78 % the PMI will be removed, '' and this statement was in line with our loan 's " Mortgage Insurance Disclosure '' dated XX/XX/XXXX. Per our mortgage statement dated XX/XX/XXXX the principal balance on our loan was {$190000.00}. {$190000.00} was 75 % of our original purchase price of {$250000.00}. At that point, PMI should have been gone. Bank of America, however, charged {$23.00} PMI on XX/XX/XXXX and {$23.00} on XX/XX/XXXX. I brought the PMI issue to BoA 's attention via a secure message on XX/XX/XXXX. While BoA did stop charging us PMI after that, BoA refused to issue us a refund of the {$47.00}. Per a BoA letter dated XX/XX/XXXX, " no refunds are due. '' This letter referenced a requirement for cancellation being " a request for review from ( us ). '' As soon as our loan got to/below the XXXX % threshold, however, the PMI should have been removed automatically. It was not up to us, the borrowers, to make this happen ; it was up to BoA, the lender, to handle it appropriately. 

These issues were emailed to our primary originator on XX/XX/XXXX ( via XXXX ), XX/XX/XXXX ( via BoA secure message ), and XX/XX/XXXX ( via XXXX ) ( ref : XXXX XXXXpdf ). 

Furthermore, IMMEDIATELY after we paid off our loan, BoA removed our online access to our account. No longer could we retrieve our statements or use their " secure messaging system ''. Speaking of the latter, it is not a user-friendly system, and messages are designed to disappear after a relatively short period of time. This added to our mistrust of BoA following multiple instances wherein our confidence in their institution, their systems and their way of doing business was diminished. Examples include but are not limited to the following : BoA did not respond to time-sensitive requests in a timely manner ; BoA requested more documents than their online system was designed to handle ; BoA repeatedly insisted that we complete an IRS form incorrectly- one that we learned other lenders do not require - and then claimed that they were not even going to submit that particular form to the IRS ; BoA 's website initially applied an incorrect date and time stamp to an online payment request.
Consumer complaint received 2022-11-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (VA)

XX/XX/2022 : I sent completed and returned the requested form to XXXX about my auto loan not reporting on any of my credit reports. I also sent notifications to XXXX, XXXX and Experian showing that there is an error in reporting on my credit report and provided them with proof from XXXX that I had an auto loan through XXXX and it was paid in full but my credit report does not reflect that that account ever existed. This has caused me undue financial hardship in obtaining a vehicle loan because of this lack of accountability for all XXXX  credit bureaus and XXXX who claims that it is the responsibility of the credit bureaus to report correct information. XXXX provided me with my loan number and account statement so they have record of the auto loan and it did appear on my credit for a short time, but now it is gone and has negatively impacted my XXXX XXXX and caused me to be charged unaffordable interests rates on a new auto loan. None of the credit bureaus replied within the XXXXXXXX XXXX  requirement with an answer or solution to my problem, and XXXX claims it is out of their hands.
Consumer complaint received 2023-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc (WA)

Im being asked to provide {$100.00} by XXXX XXXX XXXX. This is them saying that its something from PayPal. I provided documentation from my bank where {$100.00} dollars were sent to PayPal around the date of this debt collection creation. PayPal also has sent me an email saying the confirmed the {$100.00} payment. I sent this information to debt collector agency and they dont think it is enough and are trying to send me more info for me to sign. 

Sounds like PayPal sending me to collections, then me paying, then PayPal not doing due dilligence and contacting the debt collectors. Either PayPal or XXXX XXXXXXXX XXXX not doing their required work and asking me to prove why I dont owe the debt.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is still showing a collection account from XXXX XXXX XXXX. This account belongs to another person and I have no responsibility to the payment of this account. I have attached a copy of the account charge off on my Equifax report showing that I was only an authorized user. Accordingly, I request the account to be deleted permanently from my credit report. Thank you.
Consumer complaint received 2022-11-09
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify 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 be corrected from erroneous reporting in my file. 

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