davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-10
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)

I've contacted XXXX, TransUnion and XXXX  on XX/XX/2020 reference to an inaccurate/erroneous item on my credit file that was being reported illegally. In XX/XX/2020 XXXX  and TransUnion contacted me stating that they have completed their investigation and the item was not deleted as requested by me but instead updated. Based on FCRA 611 ( a ) ( 2 ) ( B ), They are required to forward all of the relevant information I provided by them to the creditor for their investigation of my dispute. I did not receive such information none of the bureaus used for their investigation as required by FCRA 611 ( a ) ( 7 ). I made a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by each bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with in XX/XX/2020. Instead of being deleted as requested the item was marked updated and in fact wasn't updated at all as the account is stating opened reporting negatively when I have documentation showing the account is actually paid in full and closed. I am requesting the item to be deleted from all three credit bureaus for I've had the same investigation issues with all three. Due to lack of investigations not being done properly. I have made several attempts to work with all three credit bureaus even the account creditor XXXX whom i am a victim of their current settled suit due to inaccurate credit reporting. XXXX instructed me to call each bureau to dispute the account to remove it but XXXX  failed to investigate properly under FCRA 611 ( a ) same as XXXX  and TransUnion.
Consumer complaint received 2020-01-03
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. (FL)

To whom it may concern, I am writing in regards to late payments on my credit report from XX/XX/2019 and XX/XX/2019 for my XXXX XXXX XXXX  account. 

I understand how important it is to make timely payments, and that failure to do so creates an inconvenience for you. However, I missed my payment because I had a family emergency that I had to allocate funds to them. I am confident that this wont happen again and I have taken steps to ensure my financial responsibility moving forward. 

As a courtesy, I am requesting that make a goodwill adjustment and remove the late payment on XX/XX/2019 and XX/XX/2019 from my record. This will help improve my credit worthiness and give me renewed confidence in being a XXXX XXXX XXXX  customer in good standing. 

Thank you for your consideration, XXXX XXXX XXXX
Consumer complaint received 2022-12-25
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. (NC)

Sent out reports to the credit bureaus they verify accounts was factural, but accounts showing incorrect open dates, reported dates, active dates. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or in complete or can not be verified the consumer reporting agency shall, promptly delete that item of information from the file of the consumer or modify that item of information as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2020-06-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MA)

I have been trying to work with them since XX/XX/XXXX/XX/XX/XXXX to do a deed in luid. They keep saying its pending then they say they have everything and then they have not got anything from me. I have emailed the documents to them. Everytime I call I get a different answer and I have requested a manager to call me and no one will call me. Im going through a divorce and trying my hardest to prevent the foreclosure ( they said is on hold ) right now but they are making it impossible. I feel at this point they dont want to help me or work with me and just want to foreclosure on my home. I have called them over 100 times in the past couple of months and have emailed as well. They also had a company go into my home to Secure it as they say but this company went in and pushed everything to the middle of the room and covered it with plastic paper. But while doing this they damaged my property in my home!
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OK)

I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, XXXX and Equifax.
Consumer complaint received 2022-12-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have tried mailing and uploading these supporting documents but getting nowhere. Please pass these documents to XXXX, Transunion and XXXX.
Consumer complaint received 2020-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NJ)

Experian will not allow me to cancel my account. It is connected to my work email address, which I no longer have access to. When I email from my personal account, I receive an email response from a do not reply email saying I only have a free account. When I call their customer support there is no option to speak to anyone or cancel my account.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Harpeth Financial Services, LLC (DE)

This is the third time I have attempted to make a complaint about Advance Financial in  regard to an installment loan account that was fraudulently accessed by an unknown third party and for which several payments within one day were initiated through my debit card. I reported the fraudulent and unauthorized transacations immediately to my banking institution as well as Advance Financial. Advance Financial has escalated my account to a third party debt collector ( which I have notified is not a valid debt ) and somehow assessed my account a balance that does not make sense nor is valid. I have reported the fraudulent use of my account to the FBI XXXX for which I have a copy of the compaint file ). Advance Financial has refused to acknowledge the fraud and stated there was a valid EFT authorization on file at the time of the fraudulent transactions.

I unequivocally and unilaterally revoked all EFT authorizations on XX/XX/2018. The fraudulent and unauthorized transactions occurred on XX/XX/2018. THREE separate transactions occurred. First - they were unauthorized. Second - because Advance Financial allowed them despite NOT have an EFT authorization they are in DIRECT violation of the EFTA ( Electronic Funds Transfer Act ). Third- by authorizing THREE separate transactions that were not agreed upon in the initial contract AND NOT notifiying 10 days prior to those transactions ADVANCE FINANCIAL is again in direct violation of the EFTA .

Advance Financial continues to respond to my complaints by stating there was no evidence of fraudulent use of my account [ when in fact I made them aware AT THE TIME OF THE INCIDENT that it was not authorized ]. They also continually state there was a valid EFT authorization in place when I revoked IN WRITING my authorization TWO MONTHS prior to the fraud. AGAIN - this has been reported to the FBI ( as this falls outside of any state jurisdiction ), I have made Advance Financial aware and the debt collector aware of the fraud, my bank was made aware within 24 hours of the unauthorized transactions so I followed the letter of the law. I am AGAIN attaching my emails revoking my EFT Authorization along with emails showing the unauthorized transactions. Advance Financial is in DIRECT VIOLATION of the EFTA. This debt reported is NOT VALID.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-11-28
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. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-10
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. (MD)

When I reviewed my credit report, I noticed a fraudulent account listed on my report - - XXXX. XXXX XXXX. I tried to dispute the account but there is no way to do it electronically and the phone number give to call Experian to dispute the fraudulent charge is to a prerecorded message with no option to dispute the fraudulent account nor speak to an agent. 

I requested the company reporting the fraudulent information produce competent evidence that prove the debt is mine and owe this debt. They have failed to respond in more then a reasonable time. 

This is not my first time experiencing this situation with Experain. I am the victim of identity thief. My information was compromised in both the Experain and XXXX data breaches. 

I have filed thief reports with the state police, state attorney generals office and Federal Trade Commission.
Consumer complaint received 2023-11-28
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.
Consumer complaint received 2023-11-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian and XXXX are reporting late payments on my XXXX XXXX XXXX account when I was not late. This account was included in a Bankruptcy. XXXX and Experian are reporting late payments after my bankruptcy was discharged and I was never late. 
I should have 100 % payment history and I do not hurting my Fico score. 
This is NOT accurate and the account should be deleted from my credit report with Experian and XXXX!!!
Consumer complaint received 2020-06-10
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. (PA)

Transunion has on XX/XX/XXXX file number : XXXX page 11 of 11 under XXXX XXXX XXXX XXXX XXXX XXXX XXXX request on XX/XX/XXXX it seems there under several titles on my Credit file from car loans to XXXXXXXX XXXX XXXX  XXXX  to home equity loans etc. It seems i have a lot of fraud going on with XXXX XXXX XXXX on my credit file. I have also file with the US attorney office as DOJ on this matter with Transunion XXXX XXXX XXXX XXXX in which i have not applied or requested none of the info nor loans or club subsriptions.
Consumer complaint received 2024-02-23
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. (IL)

15 U.S. Code $ 1681c-2 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. 

I recently reviewed my credit report and I have tried to reason with the company ( Experian and XXXX ) about this FCRA error on my credit report. I received a copy of my credit report and noticed unauthorized inquiries. This is a major FCRA violation and against my consumer rights please remove these UNAUTHORIZED INQUIRIES from my account. 

I did not authorize, had no knowledge of, and/or the number of inquiries exceeded my expectations. These inquiries are harming my ability to obtain new credit. Thank you for your prompt attention to this matter. 

I demand these UNAUTHORIZED INQUIRIES TO BE REMOVED ASAP! 

The inquiries are listed here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

A " Macy 's Anerican Express card '' statement for XX/XX/XXXX was never received. The XXXX statement incuded late fees and interest charges. After calling account service number ( For some reason its actually Citibank, NA that services the account ) the operator # XXXX gave a me a very difficult time and although he did reverse the charges on the XXXX statement I asked that the account be closed since they were very difficult and hard to reach. I then got another statement ( XX/XX/XXXX ) that although there was a XXXX balance form the month before- they added {$7.00} of interest. When I tried to call again - I was routed to " Probate dept. "! Upon finally getting someone to answer - I was told that the account was closed as the operator above reported that the account was closed because I was DEAD- with absolutely NO report given to them to justify this action and was clearly done by the operator as vengeful punishment because of the argument we had in XXXX. They refused to reverse the XXXX interest charge because of being " DEAD ''! Clearly, she realized after asking me a ton of follow-up questions that I wasn't dead at all but again refused to reverse that charge. To keep my credit rating ( Over XXXX ) she said I would have to PAY the charge and call after they reversed their error reporting me DEAD. They finally sent a letter XX/XX/XXXX " correcting '' my report but now when I try to call no one answers and I'm automatically disconnected. 
I want them to reverse the {$7.00} XXXX interest charge and have it returned to me in a check since the account is closed.
Consumer complaint received 2020-06-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC (VA)

I am writing to report a violation of : 1. 6.2-2217. Limited recourse ; repossession and sale of motor vehicle. 

My spouse and I purchased a XXXX XXXX XXXX from XXXX in XX/XX/XXXX that was financed by American Credit Acceptance (  ACA ). 
The vehicle was repossessed without warning in XX/XX/XXXX after we paid the agreed upon partial payments that ACA had been accepting. We were allowed to pay a fee and reinstate the loan. 
Our interest rate is 25.80 percent which we feel is due to our poor credit at the time. 
We had actually visited XXXX for another vehicle and was approved and then told that the vehicle ( XXXX XXXX ) had fallen off the back of the transport truck. 
We felt forced to just settle for the XXXX based on our credit. Financially we should not have been approved for such a loan, we could not afford it. 
Total, we have paid over {$30000.00} and we still owe. This is fraud.
Consumer complaint received 2020-06-10
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)

For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report doing the quoting process. Every time I would get a quote it would come back high or ineligible. I have always-aid my accounts on time. I decided to get my report pilled and out of surprise there is a lot of things that do not belong to me. Please remove these items from my credit report. 

XXXX XXXX XXXX {$450.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (CA)

I have requested debt validation of two accounts being collected by XXXX XXXX XXXX XXXX After sending a certified letter requesting this debt collector to validate the debt, they did not respond with sufficient documentation or information to satisfy my request, as is my right under the Fair Credit Reporting Act ( FCRA ) and the California Rosenthal Fair Debt Collection Practices Act. 

Instead, I received a generic " Cardmember Agreement '' without my name, signature, or any other identifying information. XXXX XXXX XXXX XXXX later sent me two aged account statements that are significantly lower than the balances being reported to the credit reporting agencies. I do not know who XXXX XXXX XXXX XXXX is, and I do not recall entering a binding loan agreement with this entity.
Consumer complaint received 2021-11-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

On XX/XX/XXXX, XXXX and XX/XX/2021 I filed a disputed with Transunion in regards to XXXX items appearing on my credit report. account # XXXX for {$760.00} account # XXXX for {$1300.00} and account # XXXX for {$1200.00}. I've requested for Transunion to verify the items listed to provide proof that the items mentioned are accurate. Transunion has failed to provide how they verified the above listed item. Transunion only responded that the items have been verified as accurate. However, they have failed to provide me with details on how they verified that the items are accurate.
Consumer complaint received 2020-06-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D2 Management LLC (NV)

On XX/XX/2020 I was contacted by D2 Management they called from XXXX, I found out the name of the company after continuously calling to request the name of the owner. I received calls from, XXXX, XXXX XXXX and a Gentlemen named Mr. XXXX. They all used first-party collection practices and they are a third-party collection agency. They would not disclose the company 's name and did not provide Mini-Miranda or  disclose we were on a recorded line. When I mentioned these things weren't done on the first call the representative stated " oh wow, you know the law! '' XXXX XXXX, who stated she was the general manager, cursed me and hung up in my face when I requested info on the ownership.
Consumer complaint received 2022-12-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

In XX/XX/ 2022, capital one allowed a construction company by the name of nature stone to charge {$2000.00} on to my card that was not approved. The company was waiting on approval of the owner of the house to be able to go ahead with the construction. Nature stone falsely sent a contract that was never signed to the capital one. When I stated I never approved or signed a contract yet they sided with nature stone. The contracted they sent to capital one was not signed. The owner of the house dude to this did not approve of the nature stone to do any work on their house. Natures stone took a picture of my state ID and a copy of my credit card incase the owner approved and we were going to move forward but stated nothing will be charged or any contracts signed until I talked to the owner of the house. The information was relayed to capital one and said it was out of their hands. I faxed the company proof this was not my house bc I could not sign for construction due to it not being my house.