davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-18
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. (CA)

On XX/XX/XXXX, I sent a letter to Transunion disputing an account that does not belong to me. In the same letter, I asked Transunion to include information about the investigation, including the contact information of the data furnisher of the inaccurate information. 

On XX/XX/XXXX, Transunion sent a response stating they concluded the investigation, and the information was verified as accurate. The letter also said it would include a " Summary '' regarding the steps conducted in the investigation. However, upon reviewing the letter, there is no summary at all. There is no summary of the steps of the investigation. There is no data furnisher. The only proof I received were the words " verified as accurate ''. 

On XX/XX/2019, I submitted a complaint to CFPB about their process ( ID # XXXX ). Transunion responded to my CFPB complaint stating " We received your CFPB and in response have initiated an investigation into the account XXXX XXXX XXXX XXXX. # XXXX. They will verify the accuracy of the item ( s ) and inform TransUnion of their results. When the investigation is complete, you will receive the results at the current mailing address we have on file for you. '' On their next correspondence dated XX/XX/2019, Transunion re-sends an identical letter as the first one rec 'd XX/XX/XXXX. It simply states " verified '', and their is no information from the company, there is no proof this account exists. I can not verify this account. 

Transunion did not conduct a proper investigation, they are incorrectly reporting this account which does not exist.
Consumer complaint received 2019-12-18
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: Experian Information Solutions Inc. (NC)

I sent a notarized dispute letter to Experian, asking them how did they validate not verify this chapter XXXX bankruptcy that was showing it was discharged on my credit report, only after I sent a letter to the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA asking if they furnished information to 3rd parties, their response was we dont furnish information to credit bureaus, so therefore thats a violation of the FCRA by Experian, because this bankruptcy was verified by the credit bureau through a 3rd party like the PACER system and not the original furnisher of this account. Experian is still reporting this bankruptcy on my credit report, even after I sent a dispute letter to them with a copy from the UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF NORTH CAROLINA, stating that they dont furnish information to 3rd parties.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I paid off a Macy 's credit card completely and totally in full. I contacted the company to close the account. I have since then been harassed by this company for charges that were assessed AFTER THE CARD WAS CLOSED. They continue to assess what they call late fees, service charges, and so on. I was told in XX/XX/XXXX that the account was closed and these charges were waived because they were not legitimate. I received written confirmation that the account was closed. The company continues to send me bills and call me. This is not acceptable.
Consumer complaint received 2023-01-22
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. (GA)

Identity Theft, Transunion is reporting a fraudulent account from XXXX XXXX XXXX to my credit file. 

I do not have a debt or a contract with XXXX XXXX XXXX, and they are reporting inaccurate information on my credit report on TRANSUNION. I dont give them permission to report this information and ask for an immediate removal. They have yet to substantiate a proof of method of verification. I spoke with the original creditor in question and they said i don't have a debt with them. 

XXXX XXXX XXXX is not licensed to practice debt collection in the state of Georgia. They showed a contract that is not between me and XXXX XXXX XXXX but an entirely different company. I have voice recording from said company that I do not have a debt obligation from an employee named XXXX. This is fraudulent and frivolous and should be addressed immediately. 

This company is in violation of 15 U.S. Code 6802 and 6803. I do not give them permission to furnish my personal information or status to non-affiliated entities. I was never given proper notice and have not given written consent to this company. Their mishandling of my information is causing damage and distress to me and my family. 
This account is involved in litigation.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

This complaint is about the lack of proper regulation of Credit Card Reporting Services, such as Experian, XXXX, and XXXX, and Your agency.

- Are YOU aware that each of these reporting agencies use different standards by which they determine a Credit Score of a Person, or Business?

- Are YOU aware that there seems to be no one standard to use in determining Credit Scores in this Industry.

I was told this by someone in the credit card reporting industry. If this is correct. It is completely illogical to have different standards for each company when they are determining a Credit score of someone, or a business. This is like saying it is OK to have a different safety standard for each car maker to ; Creating no One Safety Standard is totally illogical and totally Unsafe. That is why there is one Car Safety Standard for all Cars regardless of the car maker, that all Car Makers must comply with, that is enforced by the Federal Govt.

As far as the Credit Reporting Agencies, there MUST be ONE Standard by which CREDIT SCORES are Determined. How else can YOU determine which Score is accurate, fair, and legitimate, and in the best interest of all of us. Who is more important, the individuals of OUR Country, or the Owners of these Credit Reporting Services. If this is allowed to go uncorrected, then it will continue to stifle our economy, the well-being of the People of this Great Country. It may seem to be a " small thing '' to worry about, BUT it is not for those for receive invalid Credit Scores. For example, against XXXX, there are and have been XXXX complaints lodged against XXXX. From a Business point of View, Does that make Sense? Against XXXX, and XXXX, there are similar nos. of Complaints. Where is the Government Oversight needed? Wake Up, America! Wake Up, Congresspersons and Senators, and do YOUR Duty.
Consumer complaint received 2019-12-17
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (GA)

Two years ago on XX/XX/XXXX I went to Home Depot here in XXXX, the XXXX store looking to purchase flooring. Although it was XXXX XXXX this item was not a XXXX XXXX sake item. It was a regular purchase with a 24 month deferred interest promotion that Home Depot has fraudulently scammed with Citibank to automatically add to your account without asking If you want it and without your knowledge or consent on purchases over {$200.00}. Even if you decline in lieu of a 10 % discount Citibank and Home Depot add  it without you consent. 

I found the flooring I wanted, the sales person 's name was XXXX. ( I have the original paperwork and sales receipt ). They had a 24 month deferred interest promotion. I told the salesperson I did not want the promotion in case it couldn't be paid off in 24 months instead I asked for a 10 % off discount. XXXX called Citibank while in my presence and was told it had to be done at the time the purchase was rang up. XXXX then called the person who was the store manager at the time and was told to give me the discount and gave her instructions, she said to ring the purchase up. We went to the front of the store to customer service and she rang the sale up herself and I was assured the promotion would not be applied. 

I have been making payments on my account for two years thinking I was paying the interest along with the purchase month to month only to find out two days ago on XX/XX/XXXX. I received my new statement Saturday XX/XX/XXXX due XX/XX/XXXX. Two years back interest has been applied along with additional over the limit fees in the amount of {$1100.00}. ( statement attached ) I called Citibank Monday, XX/XX/XXXX and was told too bad the promotion was applied anyway without my knowledge or consent and you have to pay off $ 2100+ for the flooring before the interest and any other fees are removed. They said to call the store it was suppose to be taken off at the time of sale which I thought it was and the store us responsible. 

I called the store XX/XX/XXXX and spoke with the Store Manager, XXXX, and took her a copy of the original purchase documents ( attached ) I was told Home Depot had no control over the promotions they belong to Citibank although I was given the discount in lieu of the promotion by Home Depot and it was their responsibility to make sure the promotion was not added to my account at the time of sale. This is a scam Home Depot and Citibank run on their customers to obtain more money for the additional fees and interest on interest can be applied. When researching there are hundreds of lawsuits filed against Home Depot and Citibank for this type of deceptive trade practices.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

I received a notification today that a collection was added to my credit report in the amount of {$440.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. You must follow proper procedures if these claims are in your system and to be used in my credit reports! 

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: PlusFour, Inc (NV)

I had a debt that accidentally went to collections in the amount of {$50.00}. The dispute was listed on my credit and that's the first I was notified, so I paid it with the healthcare provider immediately. Unknowingly, this did not get reported to the debt collection agency, Plus Four Inc. Upon finding this out, I reached out to them directly and they attempted to collect my " debt '' again in the amount of {$50.00}. So now I have paid the debt twice, when I called to remove the second charge with proof I paid it the first time, the employees at plus four refused to work with me. They began hanging up the phone, ignoring my phone calls, leaving me on hold for hours with no intention of answering the phone, refusing to allow me to speak to a supervisor claiming there were none there and REFUSING to admit payment had been made despite correspondence multiple times over multiple days from XXXX XXXX XXXX. I reached out to XXXX XXXX numerous times until I reached a supervisor and she called directly for me. Still, plus four is refusing to remove the debt and it keeps escalating each month as if it has been unpaid, despite being paid twice. They refuse to simply reach out to XXXX XXXX to show that the amount has been paid and will only accept payment proof in person and/or standard mail. I have been treated like I am a criminal over {$50.00} I was unaware of, paid immediately and then paid immediately again to resolve the issue. This company does not want people to resolve their debt and they will seemingly do ANYTHING to not allow people to resolve their issues with them. Ignoring phone calls and hanging up on people is a violation of the Fair Debt Collection Agencies Act, as I have the right to speak to them when necessary and they are preventing me from resolving my issue ... Literally. It is also a violation to force or coerce people into paying a debt, whereas they knowingly took payment for a debt that was already collected all whilst refusing that they received notification of payment, which they have three times now. They should be shut down or thouroghly investigated for their practices and the way that they have taken it upon themselves to treat people who are good citizens TRYING to do the right thing.
Consumer complaint received 2019-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NE)

My complaint is against BMW FIANANCIAL SERVICES NA LLC Account # XXXX. Back on XX/XX/2019 I sent the mentioned company a letter to investigate a 30-day late payment that occurred back on XX/XX/2019. I my make payments through XXXX XXXX, XXXX. XXXX XXXX, XXXX states that the payment initiate in XX/XX/XXXX and received by BMW. I sent BMW my dispute letter, the letter from XXXX XXXX XXXX with details of transaction, I sent BMW every proof they asked me to send them and they still havent removed the negative mark, knowing that it was their negligence. This is my last resource to try and reason BMW that this was not my fault. If my negative mark is not removed from all 3 reports, I will take this to a federal court for negligence, unfair business practice, breach of contract, never received any type of indication I was going to be late and when I seat down with my lawyers the violations will just multiply. This has me emotionally stressed, mentally absorbed this company is financially torturing me in every aspect. Im attaching all documentation I sent them and you can also contact XXXX XXXX, XXXX so if BMW has to contact them for whatever reason they will be able to respond to any questions. I request a deletion letter once this error is taken care, so I can provide to my mortgage company. Thank you!
Consumer complaint received 2019-12-17
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)

There is a bankruptcy incorrect showing on my consumer report with Equifax. I have called the court listed on the report, and they are not able to verify this information. On XX/XX/2019 I sent a dispute with them. They sent me a response dated XX/XX/2019 that says they found the information through XXXX. This is invalid data, because I placed a security freeze on my XXXX file on XX/XX/2019.
Consumer complaint received 2023-01-23
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: Consumer Adjustment Company Incorporated (GA)

On XX/XX/XXXX I called Consumer Adjusment Co to verify their mailing address because it is forever changing and the address they had listed on their website vs the address they had listed on my credit report was different. The address on their website was supposedly accurate ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while the address on my consumer report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was listed as " out of business '' on XXXX, but that's recently been adjusted and now there's a new address on my credit report ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which does not exist and shows up only as XXXX XXXX XXXX and nothing in that building has them listed as business. So figuring out which address was unreasonably confusing and once I got confirmation over the phone what the correct address was ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I mailed out a request for debt validation on XX/XX/XXXX via certified mail ( Tracking no. : XXXX XXXX XXXX XXXX XXXX ). This notice was marked as delivered on XX/XX/XXXX as " Left with an Individual/Front Desk '' . 

To this day, XX/XX/XXXX, Consumer Adjustment Co has completely failed to respond to my request for debt validation AND remove the item from my consumer reports. I have allowed several additional business days to account for the possibility of mail being slow and I have received nothing. Because they have failed respond at all they must remove the account from my consumer report, they are, at the very least, also in violation of 12 CFR 1006.34c, 12 CFR 1006.42, Regulation F, and 15 USC 1692g.
Consumer complaint received 2022-03-23
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. (MI)

in accordance with the Fair Credit Reporting act, XXXX, XXXX and Experian has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX  FTC REPORT NUMBER : XXXX
Consumer complaint received 2019-12-17
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. (TX)

sent affidavit and ftc to XXXX and XXXX of the inaccuracy fcra bill that never received of the rate and fcra violation of the payments never been late
Consumer complaint received 2019-12-17
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Onity Group Inc. (CA)

PHH calls me, and when I answer the telephone, they hang up the phone. Or Ill answer and repeatedly say hello, then theyll hang up. 

Yet they have hour ( s ) long hold times when you call them for assistance. They refer you to reps who dont answer and their voicemail is full. 

PHH is only interested in charging fees and foreclosing. Theyre not interested in communicating or helping their customers.