davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-03
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MA)

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX  Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-03
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Happy Saturday everyone ; Hi and how are you doing? This is taking over 90 days and i still haven't received any correspondences about this dispute from XXXX XXXX XXXX  Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc. (GA)

I signed up for their loan, after approval i was informed i would have to pay a monthly membership fee of {$29.00} and make payments towards the loan for 18 months. After 18 months they would then disburse the loan to me. I said no thanks and cancelled the loan the same day. SCAM. 
Now about a year and half later theres a defaulted account showing on my credit report!
Consumer complaint received 2020-10-03
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: Credit Plus Inc (UT)

Credit Plus ran my credit 3 times for a refinancing on a home loan. I only agreed to two soft pull of my credit to refinance my home. When I confronted the loan officer he stated he only pulled my credit twice. But according to my credit report there are 3 hard credit pulls from Credit Plus. The dates are as followed : XXXX. XXXX XXXX XXXX. XX/XX/2020 XXXX. XX/XX/2020 2020
Consumer complaint received 2024-03-19
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. (TX)

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.
Consumer complaint received 2023-12-27
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. (IN)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-06
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. (NV)

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Onity Group Inc. (CO)

PHH Mortgage Service is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.
Consumer complaint received 2024-03-19
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. (TX)

The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Consumer complaint received 2020-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Consumer Portfolio Services, Inc. (TN)

I purchased a car from a dealership and consumer portfolios as the loan company that had given me my loan in XXXX. ( Cps ) my loan amount was XXXX and in state of tn the highest interest rate that can be applied by a bank or loan company is 18 % it is XXXX the end of my 5 year loan and so I went onto their site to look at my loan to see the pay off. It is XXXX. So I call them to tell them there is a mistake being made, per the payments that they have listed on my account that has been paid to them I have paid a total of XXXX. So there is no way I can owe XXXX. They said my interest rate is 21 % ( not legal ) but even if thats the case I have still paid the loan off. They said no becsuee 10 payments were pushed to the back and still with that I have still paid the loan off. Even if they applied a late fee every month for 5 years it would be paid off. They said I still owe the XXXX. I do not not. They said per their site that out of the XXXX I have paid only XXXX has been applied to the loan which is saying I am paying XXXX in interest. Thats 100 % interest ....
Consumer complaint received 2020-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CO)

XXXX XXXX XXXX is reporting the account is included in Bankruptcy XXXX even though the account is paid in full and closed. made multiple requests to the bank and the credit report agency 's but none of them are interested to help in this matter. Now when i am applied for a new mortgage loan the underwriter pointed out that there is a fore-closure home loan on my report which should be an paid and closed account. Because of this reason i am being denied a loan and will be without a roof if i am unable to close the new mortgage loan by XX/XX/XXXX. I request to take this matter highly and help me to resolve this issue at the earliest.
Consumer complaint received 2020-10-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BMO Bank, N.A. (IL)

BMO Harris Bank conversion of Loan Servicing to XXXX XXXX  XXXX which took place XX/XX/20 - XX/XX/20 XXXX Written notification, sent by mail, was received less than 14 days in advance as is required by law. 
The letter was printed on XX/XX/20 but was not received until Monday XX/XX/20. 
This only allowed 10 business days to find an alternative. 

I did not wish to work with XXXX due to their numerous negative reviews. 

2-They could have emailed me about the conversion 14 days in advance, but did not. They emailed me a " reminder '' TWO DAYS before the conversion on XX/XX/20. 
They have emailed all my statements in the past, so they had this information and could have used it but chose not to. 

3- I paid the Payoff Amount on XX/XX/20, this included the 17.23 interest due. 

4-On XX/XX/20 XXXX sent a statement billing me a second time for the 17.23 interest. 
The statement even shows that I paid the 17.23, yet they are demanding it again. 

5- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information including account numbers. No response. 

6- XX/XX/20 I used the BMO Harris `` Contact Us '' form to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. No response. 

7- XX/XX/20 I sent a letter by mail to request correction of their billing error. I gave them detailed information, including account numbers and statement copies. I asked them to close my account and reflect this was done at my request and signed the letter. No response. 

8- XX/XX/20 I emailed Mr. XXXX XXXX CEO of Harris , to request correction of their billing error. I gave detailed information, including account numbers. I asked him to close my account and reflect this was done at my request. 
No response. 

9-I tried calling the 800 number several times over several days and all it does is loop from one voice menu to another. It is impossible to reach a person. 
There are likely understaffed, as they have numerous jobs posted on XXXX, XXXX, etc. 

XXXX has a horrible track record and mostly negative reviews. 
I do not want these people to destroy my good credit. 

It is appalling that from XX/XX/20 through today, XX/XX/20 there have been no responses in any way shape or form regarding my communications. 
Isn't it a law that there must be a response within 5 days?
Consumer complaint received 2020-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ASSOCIATED BANC-CORP (IL)

Hello, my name is XXXX XXXX XXXX. I think I am a victim of a scam. A XXXX XXXX sent me a check through email and I thought it was real but I dont think it is. My whole bank account is froze and I cant access any of my real money because of this scammer. I want it off my account and I want my account unfrozen ASAP. I called my bank and they said theres nothing they could do about it but I need my account open now so I can catch my XXXX and get to work. I am only XXXX years old, I dont know what the XXXX Im doing. And I cant tell my mother because she will XXXX  me and I dont mean that in a sarcastic funny way she is very XXXX. Im asking someone to please help me, I will send you all the information I have about the scammer but I am begging you to please open my bank account. I bank with associated bank in XXXX IL on XXXX XXXX.
Consumer complaint received 2020-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (VA)

I was charged by Experian for services I NEVER ordered. I have complained directly to them, and received no reply. I was charged {$1.00} on XX/XX/2020, and again for {$26.00} on XX/XX/2020. This appears to be some kind of " subscription '' service. I never ordered any such service.
Consumer complaint received 2021-02-04
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)

To Whom It May Concern : I sent all three credit bureaus information and requested that my previous married name be removed from the credit information. I sent the first letter out in early part of XXXX and nothing was changed. I resent another letter again asking the information be corrected. I then receive another letter along with a copy of the credit report with the same information remaining. 

If they wanted to verify my identity then why not send me a letter for verification but never received any letter to verify the information. I received the latest letter on XXXX from Transunion with the incorrect names and phone numbers not associated to me.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX is not taking investigation of false account on my credit report against me and XXXX  sent me letter as attached for they found the XXXX  XXXX XXXX  XXXX card is not mine and they removed it from credit file.
Consumer complaint received 2020-08-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Loan dates from XXXX when I was living in XXXX XXXX  prior to my move to XXXX in XXXX, XXXX. Name of the original debtor is XXXX XXXX XXXX. I had unemployment insurance on my credit card account, but it was not honored. Efforts to settle were declined. The initial amount of the debt has grown as well. Shortly after arriving in XXXX I began receiving numerous very threatening phone calls ( threats of arrest and jail time, repossession of my car, accusations of living beyond my means, having money hidden somewhere ). These calls took on a very ominous tone that left me very frightened and I began to ignore them. At one point after I began receiving those threatening calls I spoke with a local free legal service here in XXXX XXXX and for quite a while the calls and notices stopped. 

However, since then the debt appears to have been sold to various collection agencies. The current one being Portfolio Recovery Associates, Inc. In addition to mailed notices I receive numerous phone calls at all hours of week days and week ends sometimes as early as XXXX or after XXXX in the evening. The caller ID does not register the caller, but they come from all areas of the United States and lately from my own area code. I have an app to follow these calls and block them, but it does not stop the calls. I contacted XXXX XXXX, but they did nothing, claiming it is after all a legitimate debt. However, it is over 14 years old. 
I want to put a stop to this.
Consumer complaint received 2020-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MA)

Hi XXXX / Convergent Outsourcing Inc. ; Listen, I was reviewing my credit today and noticed a collection account from a phone company that i never had before, plus when i called they have it under a DOB of XXXX, but my DOB : is XX/XX/XXXX. I also have it on an address that doesn't even belong to me, plus i been outside the country for 14 years - I just came back into the states in XXXX of XXXX. You are reporting false information and would like this to be removed from my credit report or any internal record. 

Again, I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5.  Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (TN)

There are three accounts on my Experian, XXXX, and XXXX report that needs to be removed because they are aged past the 7 years it is supposed to be reporting on my credit report and they are all reporting inaccurately. Please remove. 

XXXX - XXXX **** USDOEXXXX - XXXX** US DEPT OF EDU - XXXX
Consumer complaint received 2022-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-09-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *On TranUnion : XXXX XXXX XX/XX/2019, XXXX XX/XX/2019. These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely XXXX XXXX