davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-27
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. (OK)

XXXX XXXX and Transunion have allowed XXXX XXXX XXXX to continue to report on my credit report inaccuracy information on my credit report and causing my score to go down for their mistakes of reporting correct information. Why do I have to suffer for their mistake. They have violated the fair credit reporting act and continue to do so. CFPB have also reported that they did and XXXX was in a settlement for this and use predatory practice. That they continue to do so! LIKE ADDING INTEREST TO A CLOSED CHARGE OFF ACCOUNT AND REPORTING IT EVERY MONTH!!! IT WAS AT LEAST 8 THINGS WRONG ON EACH CREDIT BUREAU.
Consumer complaint received 2017-05-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC (MI)

A {$500.00} loan. They debit weekly {$84.00} starting on the  XXXX  ( a week after receiving ),  XXXX  payment bounced so I paid {$200.00} today. So I 've paid {$360.00} and still owe {$380.00}. The fees are illegal in michigan. They are accruing weekly what should be monthly.     They debit weekly and charge fees weekly.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (RI)

On XX/XX/XXXX I utilized my employers Values in XXXX XXXX to cash in on employee rewards I have accumulated in my 6 years with the company. I selected the option of receiving a {$500.00} XXXXXXXX XXXX XXXX XXXX  Account and a {$200.00} XXXX XXXX XXXX XXXX account. for a Total of {$700.00}, which was included in my XXXX for my income in XXXX and considered a part of my compensation. I have tried multiple times to get access to my money to get new cards issued and I have not had any success. 

I recently ( XX/XX/XXXX ) tried to log into my account and use the credit cards, both of which have " Expired '' as of XX/XX/XXXX. The https : //www.myprepaidcenter.com/my-cards says the company will reissue the card and your value if you call customer service. I have tried to contact and reach customer service over a dozen times. The company 's call center provides you with recordings that change your wait time sporadically ( you start out with 50 min go to 30 then back to 50 ) and ultimately you do not get to speak with anyone. Alternatively, I have tried to call the BlackHawk network, one of the companies directly listed on Myprepaidcenter.com, and XXXX, which is claimed to be the issuing bank for these gift cards. I have gotten nowhere to receive my funds. 

In addition, according to FTC guidelines cited on the FDIC website, this gift card violates FTC laws. I have been charged fees, but it has not even been a year. It also expires in six months, which does not comply with FTC laws. " Under the law, a gift card can not expire until at least five years from the date it was activated. The law also places general limitations on fees. For instance, the card issuer can not charge a dormancy or inactivity fee on a gift card unless there has been no activity for one year and the card clearly states its policy toward that fee. In addition, some states have separate laws that provide added protection in certain circumstances. '' Here are the three websites in question I have tried contacting customer service at in connection with these prepaid employer gift cards : The prepaid Gift Card Account is through : https : //www.myprepaidcenter.com/my-cards The Issuing Bank ( according to the Myprepaidcenter.com Website Fine Print ) For XXXX privacy policy, visit https : //www.metabank.com/privacy-policy. 

The Marketing Network : For patent information, visit blackhawknetwork.com/patent.
Consumer complaint received 2021-05-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

My company responded to a mailing from Bank of America offering {$750.00} if a new account was opened, minimum {$50000.00} held on deposit, and 5 electronic transactions. Our company entered the invitation code and opened a checking account on XX/XX/XXXX and deposited $ XXXX into account and made 5 required transactions. I just called to check the status of the {$750.00} on XX/XX/XXXX and the agent stated that Bank of America had no bonus was attached to our account and further stated that Bank of America had no such offer published at that time. Clearly I opened the account based upon the inducement since I deposited and performed the specifically spelled out actions. I XXXX  the offer and can see web pages where it clearly was offered at that time.
Consumer complaint received 2023-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AL)

I have no knowledge of this debt I have reached out to XXXX  the original owner of this account, transworld system and XXXX. I never received any information for what this was for I dont owe this company I paid my rent until I left and I dont have any past due bills at this place also there were no damages that were sent to me and I have videos and pictures of my move out and I was not given my deposit or given a breakdown of why which is illegal. This is a fraudulent debt that this company is picking up and they dont and still have not provided me what this is debt is for every time I call I get no answers for what this is for they just say they are waiting on the originator to send them the information. But I know its illegal to report a debt on someones credit without any knowledge of what the debt is for. I will be taking this company along with transimunion to court this is ridiculous and it has been over 45 days!
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (PA)

I am very disappointed with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did some research on the internet and and i read that the credit bureaus have 30 days to reply back and they have not. From what I read these accounts must be removed. Please help!
Consumer complaint received 2021-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (FL)

I AM WRITING YOU TODAY TO REQUEST REMOVAL OF MY WELLS FARGO ACCOUNT FROM THE THREE CREDIT BUREAUS, I PAID THE REMAINING BALANCE OFF AND ITS CURENTLY SHOWING {$0.00} BALANCE. I AM IN DISTRESSED BECAUSE I HAVE TRIED MULTIPLE TIMES TO HAVE IT OFF MY CREDIT FILE BECAUSE I AM IN THE PROCESS OF PURCHASING A HOME. THIS ACCOUNT IS HOLDING ME BACK FROM ACQUIRING CERTAIN QUALIFICATIONS TOWARDS THIS HOME AND I AM GETTING DISCOURAGED SINCE I'VE WORKED SO HARD AND THIS IS MY FIRST HOME. I AM PLEADING TO SEE IF YOU CAN REMOVE THIS ACCOUNT.
Consumer complaint received 2021-05-27
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: EQUIFAX, INC. (CA)

On XX/XX/XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-11-25
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. (GA)

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A XXXX ) XXXX Balance : {$490.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX 'XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-08-15
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. (IL)

THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..
Consumer complaint received 2023-08-09
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: TOYOTA MOTOR CREDIT CORPORATION (IL)

Im accordance with the fair credit reporting act these accounts have violated my rights under 15 USC 1681 section 602 states I have a right to privacy. Under 15 USC 1681 604 A section 2 a consumer reporting agency can not furnish an account without written instructions. Under 15 USC 1666 B a creditor can not treat a payment on a credit card account under an open consumer credit plan as a late payment for any purpose
Consumer complaint received 2023-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BSI Financial Holdings, Inc. (OR)

The last complaint i made in XX/XX/2023 was not resolved. The company responded on an attachment that would not open. 

This is a response to complaints XXXX & XXXX in which we felt that we were given an incorrect payoff amount and charged grossly injust late fees and extension fees. In addition, there were seveal unapplied payments that have not yet been reimbursed. There was also an issue with the escrow account in which BSI recorded that they paid the outstanding taxes out of escrow in the amount of {$12000.00}, but we have provided proof that they only paid {$10000.00} to the tax authorities. The difference owed to us is {$2600.00}. They did state in their last response that they did miss the unapplied payments, and I am assuming they are going to refund those payments for {$6800.00}. We are asking for confirmation on that refund and an expected time of delivery. We are also asking for the unpaid taxes to be refunded to us in the amount of XXXX. That will be a total refund of {$9500.00}. We still feel that the unjust and deceptive late fees still need to be reviewed, but this complaint if focusing on the unapplied payments and the under paid taxes. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-09
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: EQUIFAX, INC. (TN)

I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, equifax and XXXX it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or other extensions of credit.
Consumer complaint received 2023-08-14
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I was looking over your news letters and saw that you sued Portfolio. That doesn't surprise me. I have sent many rounds of disputes of Portfolio and it always comes back verified. I send copies of my proof and still. I didn't think to file a complaint with you all. I should have. It seems you guys just take statements from both sides and do nothing. I have yet to get a favorable outcome with CFPB. 

Portfolio is brutal. They are preventing me from obtaining a loan on my home. I am a XXXX Vet and I need help financially. But because of incorrect reporting, now I have inquiries. Crazy stuff man. 

I'm glad you sued them. I hope I get the opportunity to sue them. Maybe that will be just enough to help me out. Anyway, thank you for all you do.
Consumer complaint received 2023-03-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (FL)

XX/XX/2022 - XXXX advised me that I am eligible for PSLF based on my payment history, and in order to qualify, I would have to consolidate my loans at MOHELA. I completed the application on XX/XX/2022. 

XX/XX/2022 -- MOHELA advised via email and letter that they are my new servicer and show a total dollar amount of my loans, but no loan detail is provided. 

XX/XX/2022 -- MOHELA advises my PSLF is declined because they have not received the loan detail and payment history from the Department of Education. 

XX/XX/2022 -- I contacted MOHELA Customer Service and was advised to wait 30 days and follow up with them. 

Followed up on the following dates and still no resolution : XXXX, XXXX, XXXX, XXXX Almost all of my loans will qualify under PSLF. MOHELA needs to correct my PSLF standing and process the request accurately.
Consumer complaint received 2023-01-18
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2023-01-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NJ)

On XX/XX/XXXX i sent a Cease & Desist letter to Midland Credit Management by certified mail recept # XXXX. XXXX tracking shows letter delivered on XX/XX/XXXX. 

In XX/XX/XXXX at XXXX a collection call from Midland Credit Management with voice mail.
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a credit card XXXX that was opened on XX/XX/2022 and in perfect standing. It was removed from the report and my score dropped over 100 points. I cant get an XXXX from anyone at the bureau.
Consumer complaint received 2023-01-03
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. (TX)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2024-08-07
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. (NY)

I had a vehicle stolen from me in XXXX from a mechanic who was fixing my vehicle. He cashed the insurance checks and never returned my vehicle to me. XXXX XXXX refuses to except that the loan is no longer my obligation. Even after the man was charged with a felony this year after a 5 year battle with this issue. The charge from XXXX XXXX is sitting on my credit report for vehicle that has not been in my possession since XX/XX/year> and to my knowledge is possibly still sitting somewhere on the man 's property. XXXX XXXX told me over the phone I am still responsible for the loan and I had consumer lawyer dispute the charge and they are still refusing to settle my account with them. I am asking for a resolution as this is severely affecting my livelihood having a fraudulent charge off on my credit report. See attached documentation.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

Equifax requesting that specific names be included on your credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/27 Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

Dear Equifax, I am writing to request the addition of two names to my credit report. It is important for my credit history to accurately reflect my identity, and I believe these names are essential for this purpose.

The names I would like to have included on my credit report are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I understand that maintaining accurate records is crucial for both credit reporting agencies and consumers, and I appreciate your attention to this matter.

Please let me know if you require any additional information or documentation to process this request. I look forward to your prompt response.

Thank you for your assistance.

Sincerely,
Consumer complaint received 2023-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
Consumer complaint received 2023-08-14
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)

My credit report is showing late payments on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Consumer complaint received 2023-01-03
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. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.