davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency XXXX refuses to remove the bankruptcy erroneously reported.
Consumer complaint received 2020-07-10
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: General Motors Financial Company, Inc. (NM)

I called GM Financial on XX/XX/2020 because I had a bill for {$710.00}. They told me that I should receive my bill in the mail and gave me the website to look at the damages that I was being charged for. I returned the vehicle to XXXX XXXX in XXXX, NM. The manager that looked over my XXXX said that everything looked good and he didnt think I would be charged anything. I was shocked when I saw this bill. I took pictures of my XXXX and the damages and pictures that are on there were not on the vehicle when I turned it in. I sent an email to XXXX on XX/XX/2020 and attentioned it to XXXX. He was the gentleman helping me and gave me those instructions. I also included the pictures that I had taken. I paid the bill because it was due on XX/XX/2020 and didnt want it to affect my credit score. I havent heard back as of today XX/XX/2020. I was also unaware of the disposition fee of {$390.00}. The day I turned my vehicle in they gave me a remaining lease obligation that stated {$0.00} owed. As I said previously I turned my leased vehicle in on XX/XX/2020, the inspection wasnt done until XX/XX/2020. I dont know where the vehicle was kept or who drove it for the 26 days in between the inspection. I had absolutely no control over where or how it was kept and find it incredibly unfair that I am having to pay for damages that I did not do. I took care of the vehicle and did not turn it in the condition that those pictures show. I attached the pictures that I took of the vehicle minutes before taking it to XXXX which show that those damages were not there the day I turned it in.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2023-03-04
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. (AL)

Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Date XX/XX/2023 In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have a 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
Consumer complaint received 2023-05-02
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. (NY)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-21
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (CT)

I got an email today stating that Fortiva, the company that holds XXXX XXXX " XXXX XXXX '' credit cards, is going up on my APR from 25 to 35 percent in four days. I've held this account for at least four years, pay diligently, and use it sparingly since my initial APR was ~25 percent. When I called customer service tonight I was transferred to " XXXX '' in the XXXX call center. Operator id XXXX ( last digit is a XXXX ). 

She stated this was not penalty pricing for missing one payment last month and they actually refunded me my late fee. 

She said that EVERYONE that has the card is getting this rate increase across all markets in the United States and it based on the prime rate. 

I believe this is a violation of the Fair Credit and Reporting Act and is arbitrary and capricious. I am requesting an investigation of XXXX XXXX XXXX XXXX  Fortiva, based on the premise of PREDATORY lending practices.
Consumer complaint received 2021-02-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America, XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$35000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.XXXX  XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # XXXX Date .Inquiries : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Acra Intermediate Holdings, LLC (CA)

This is my third complaint. I receive a letter from XXXX XXXX XXXX in the mail indicating that they have been retained by my mortgage servicer, Citadel Servicing Corp. The total amount due in the letter is incorrect. ( {$960000.00} ) I have requested a full breakdown of what that amount entails and how it was calculated. 

I was told by Citadel that I would be offered a feasible repayment plan after my forbearance. I was negotiating the terms of this plan with Citadel and waiting for a response to my question regarding foreclosure to assess my options. Instead of responding, they quietly referred it to foreclosure and retained a trustee to facilitate it. How am I able to make an educated decision on what to do when nobody would tell me a deadline to decide or when they intended on referring it to foreclosure? If they would have informed me of the XX/XX/21 referral date, I would have found a way to make the first payment on the repayment plan by borrowing from friends or family. I would never have allowed this to be referred to foreclosure and have multiple fees assessed. 

This is an invalid foreclosure referral and it should be immediately rescinded. Citadel has violated the California Homeowner Bill of Rights on many provisions. I was never provided with a referral date and I was promised someone would be in contact and nobody contacted me or responded to my questions. This is a clear example of duel tracking. I was given no information regarding a deadline nor offered a chance to appeal the denial of my request for additional forbearance. I was never provided one point of contact and key information was withheld from me. This all being done amid a global pandemic with other state-imposed guidelines in place. 

They have already imposed and began collection efforts for late fees and attorney fees which is yet another violation of the Homeowner Bill of Rights.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2021-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX loan reported as charge off on credit report. The account should read as paid derogatory, because I reached a settlement agreement with their contracted debt collection company ( XXXX XXXX XXXX ) to pay a total of {$1500.00} to settle the debt. I paid the debt in two payments and company has refused to provide me with settlement papers and report my account to the credit reporting agency as Paid derogatory. I have contacted them over 15 times, but have not been able to resolve. Additionally, loan balance and interest are close to the same amount, making me wonder if interest paid and loan payments are more than a military member should have paid, especially after they repossessed the vehicle I had to pay to get the vehicle repaired twice. Additionally, credit reports still show balance and should read {$0.00} balance account settled and paid and/or paid derogatory.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Uplift, Inc (CA)

I sent UpLift a certified letter XXXX via USPS on XX/XX/2021 which was delivered on XX/XX/2021 disputing the inaccurate information they are reporting to my XXXX  Credit Bureau and they never investigated it. Please see the attached letter for a full explanation of all of the inaccuracies. They failed to investigate it and are still reporting the inaccurate information my credit report.
Consumer complaint received 2021-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXXXXXX XXXX XXXX contacted me back in XX/XX/2020, that they had a glitch in their system. And incorrectly put a 30 days late on my Visa credit card account. XXXX and Transunion reported the 30 days late and dropped my scores XXXX points. They said that they would fix the issue and they did a month later. Since then, it keeps showing back up on the same two bureaus. I just got denied by XXXX because of this and a few months ago, it wasn't on my credit report. There's something wrong with XXXX  system because it goes away and keeps coming back. This has destroyed my financial life for a Year!!!!!
Consumer complaint received 2021-02-18
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: DISCOVER BANK (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX  and Discover. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : XXXX. The Account Opened is Discover Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2021-02-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (NV)

I was contacted by Freedom Mortgage by XXXX  XXXX XXXX NMLS XXXX on XX/XX/2021. XXXX provided me an email stating I would have {$0.00} cash to close prior to me completing my initial disclosures. On XX/XX/2021 @ XXXX PST, XXXX called and stated we are " Clear to Close '' and not to make the XXXX payment as we will be going to docs right away. 

When I requested the CD, XXXX stated I will now need to bring {$1200.00} cash to close to which I explained this was not acceptable. XXXX came back a couple days later stating there are no other options as I don't qualify for other programs to now have {$0.00} cash to close ( Mind you he sent in writing that it will be {$0.00} cash to close and my initial disclosures reflected the same ). I emailed the escalations department a copy of the email from the XXXX  with Freedom Mortgage and they explained this was being looked into. 

It is now the XXXX and I have had to call in daily to see what's going on with my file as I am told, " Its being reviewed and escalated ''. Today Freedom Mortgage calls and tells me they let my pay off expire back on the XXXX and I would need to come in with {$580.00} cash to close because they did not order an updated pay off and they can not pad the closing. I again explained this was an error on freedom mortgage and I do not agree to these terms. 

My XXXX   is telling me if I don't come up with this my loan will most likely not fund this month and I will need to pay the mortgage payment that I am not being charged a late fee on because I was told NOT to pay this month. XXXX told me this is not his Freedom Mortgages fault and claims he never said to not pay yet the conversation was recorded XX/XX/2021 @ XXXX PST. 

This is the second refinance I have done with Freedom Mortgage where they stated in writing {$0.00} cash to close and at the signing try and charge me in an attempt to strong arm me into paying. I am not sure if this is due to being a minority or what but this is not an acceptable way to conduct business!!!!
Consumer complaint received 2019-10-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion is still reporting a negative account on my credit file that the company has agreed to delete XXXX XXXX XXXX XXXX letter is attached from the company saying it will be deleted
Consumer complaint received 2021-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant Mercantile Agency (CA)

This report is on my credit statement. I spoke to the debt collector and they directed me to this website. This account does not belong to me and does not represent a debt that is owed by me. I have not had any medical imaging done on or around the dates that are listed back in 2017. This is fraudulent and I will not allow this to be in collection from me. 

XXXX XXXX XX/XX/2017 XXXX {$120.00}
Consumer complaint received 2021-02-18
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: CITIBANK, N.A. (NY)

charged {$280.00} on citi business card on XX/XX/2020 but never received merchandise. 
complained to citi and merchant merchant acknowledged failure but said credit not possible because they had never received payment from citi. despite sending e-mail from merchant confirming this citi on XX/XX/2020 dismissed my complaint and demanded payment. this appears to be FRAUD and ASTTEMPTED LARCENY by citi
Consumer complaint received 2022-01-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (FL)

Credit Collection Services is in 7 violations! Credit Collection Services is in violation for 15 usc 1692b ( 5 ) 6 times! There was 6 Symbol/Logo on the debt letter and Credit Collection Services Put on the letter " This is an attempt to collect a debt so they are in violation of 15 usc 1692b ( 2 )! I am demanding a {$7000.00} check or 7 individual {$1000.00} checks mailed to my address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX  ) for these violations! 15 U.S. Code 1692k- ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}
Consumer complaint received 2021-02-18
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)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2021-02-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION (AZ)

My account was closed because of a shared account being negative {$27.00} that I opened for my son and therefore I didnt access or monitor it. I was told I had until XX/XX/XXXX ( until midnight ) to retrieve any and all funds. On XX/XX/XXXX I called to explain I just found out my sba ppp loan was being deposited into that account on XX/XX/XXXX and it couldnt be stopped or changed. I begged to please give me 1 more day so I can retrieve the funds. However at least I had all day on XX/XX/XXXX to retrieve funds. When trying to retrieve funds I was denied after {$500.00}. Upon calling customer service, I was told I was informed incorrectly. That my account was now closed and had to wait for them to send me a check! I asked 3 different representatives to speak to a supervisor and was told each tilt that no I could NOT speak to a supervisor or manager. I called 3 more separate times trying to explain how COVID affected my business and how not having access to this money would not only affect me but my employees because it would force me to close my business without these funds. I also stated that according to their statement online that they would help in any way their customers during this time werent doing ANYTHING to help me!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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.

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.