davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (FL)

When i log onto my Equifax report on www.equifax.com, they have missing information. All data listed is as if we are in the year XXXX. My current accounts opened since XXXX to this date are not listed. I have called in and was advised they could see my report to it's entirety. Myself no creditors can, as they are reporting information from XXXX and XXXX only. This has caused me to be denied credit for " insufficient credit history '' due to the fault of Equifax not reporting all of my credit history. On XXXX XXXX, the history from XXXX and XXXX is being reported to them and not all of my credit history.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY (NC)

On XX/XX/XXXX I set up my online account with the XXXX XXXX XXXX credit card backed by TD Bank. I made my regular monthly payment and set up automatic payments so that my payments would be automatically drafted from my account. On XXXX I get my statement that indicates that I missed a payment and have a past due amount of XXXX plus a late fee of XXXX. I called TD bank XXXX times on XXXX and asked to speak to a supervisor of the XXXX times I was hung up. The XXXX supervisor XXXX indicated that there was an issue with their online portal when making payments and setting up a reoccurring payment and that it was corrected now. Upon review of my account I noticed that TD bank reduced our credit line from XXXX to XXXX which has the card maxed out.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: National Credit Systems,Inc. (SC)

XXXX  years ago I hired XXXX XXXX  This company of their own freewill as a credit collector accepted payoff agreement I was able to satisfy debt andXXXX XXXX allowed me time to repay them. 
All parties were affirmed and satisfied all paid much time later the debt collector files against my credit rating resulting in my credit rsting falls by 37 % and they usually file with irs for a 1099-C showing I had unearned income All False BUT we as citizens have no cnduit to protest resulting in irs demanding payments with resulting fees interest etc I worked to restore my credit rsting. I used every legal anner to assure payment. 
I am now burdened once agan by debt collector and eventually irs.
Consumer complaint received 2023-03-15
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. (GA)

I have been working on my TRANSUNION credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. 

The INCORRECT Addresses are XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX. The CORRECT Address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I am also showing an incorrect EMPLOYER of XXXX XXXX and XXXX XXXX that needs to be deleted. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2021-11-22
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)

XXXX XXXX XXXX XX/XX/2020 Credit inquiry XXXX I have had lack of support during this tedious process. Contacting this bureau has been of no use and ineffective when it comes to handling these inquires. As consumer i feel very violated, Compromised and ultimately devalued.
Consumer complaint received 2018-02-27
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. (NJ)

I have contacted Transunion and spoke to a supervisor name XXXX XXXX. I explained that I contacted XXXX XXXX and wrote letter several times disputing the numerous inquires on my Transunion credit report. XXXX did not respond as I think someone was trying to defraud me. I put a freeze on my Transunion to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries removed
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.
Consumer complaint received 2019-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (TX)

I had a company Tek report on all three of my credit reports a collection debt that is not mine for the company XXXX XXXX in XXXX Texas. I contacted both companies to get the original contract that was supposedly signed by me and has my social security on it and I have yet to receive anything from them. I did some research and have proof that this account belongs to someone else similar name different social. But they are trying to attach it to me. This account was also proven to be fraud with XXXX XXXX who has the original information who we had to deal with this situation before.
Consumer complaint received 2021-11-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (IA)

ref : XXXX, XXXX On XXXX I attempted to purchase a rug thru XXXX. and finance the rug via Affirm. The sale did not go through. However, the account with Affirm was originated and set up. I corresponded with rugs.com by phone and e-mail. The e-mails confirm I did NOT order product from them. I reached out to Affirm and they continue to put up roadblocks. They will return an e-mail asking for e-mails in a PDF, saying they need more time etc. Total run around.. 


When I try and upload the documents ( e-mails ) from XXXX that clearly states I do not have an order all it does is spin.. Is their another avenue like e-mail to send them??. I have sent the e-mails form rugs.com to Affirm stating I did not place an order on XXXX, XXXX and XXXX - XXXX keep getting the run around. 



I have cut and paste XXXX of them... Realize this is not the best option but I will keep orignals : Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX | XXXX Customer Satisfaction XXXX XXXX : XXXX Number XXXX Dear XXXX Thank you for contacting us. 

We do apologize if your order did not went thru. 

It was my absolute pleasure to assist you today. Thank you for choosing XXXX to supply all your rug needs. This represents your faith and trust in us. 

Please let me know if you have additional inquiries and I'll be glad to assist you further. 

Sincerely, XXXX | XXXX Customer Satisfaction XXXX XXXX Number XXXX Dear XXXX, Unfortunately, we have no record of an order having been placed under your name. 

Our sincerest apologies for the trouble. 
Kind regards, XXXX XXXX XXXX  Customer Satisfaction XXXX XXXX : XXXX
Consumer complaint received 2021-11-22
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. (TX)

I have reported several inaccuracies and possible fraudulent activity to the credit bureau with no resolution. I have provided evidence and other investigations that have proven validity to my assertions. The resolution is to delete the inaccuracies immediately and follow the law. This is the XXXX investigation on this particular specific situation. They leave me no option than to follow up with an attorney if not immediately resolved. They have caused many burdens and hardships due to their negligent innactions. 

XXXX
Consumer complaint received 2019-12-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (CA)

I filed a case : Complaint Number XXXX-XXXX. I have 3 letters from US Bank in response of that case. The letters indicate phone numbers I have to call to solve this dispute and 2 of them are not the department that I supposed to call. I have been transferred to different departments, all of them asking my account number, name, social security number, date of birth, case number ( issued by the Bank ) which I provided all to all of the agents I spoke with and none of them were able to solve this dispute. 
I feel that US Bank failed again to solve a problem that they caused to me. Again I was in the phone for over 1 hour and this entity showed that is not welling to solve this problem.
Consumer complaint received 2021-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX committed and wrongfully placed information on my credit report that does not belong to me. I have contacted the company several times and requested that they send pertinent information that corresponds to validating my identity to prove that I have an account with them. THEY HAVE FAILED TO PROVIDE any documentation whatsoever showing that this account belongs to me. They have violated the FCRA regulations in reporting information that does not belong to me to the credit reporting agencies XXXX, XXXX and Equifax. Furthermore, I have contacted XXXX, XXXX and Equifax as well in which none of the the credit reporting agencies have submitted information proving that this account is mine. I asked them to remove this fraudulent account and they have also failed to do so. I have filed police reports and an affidavit to validate my claim. I have sent out certified mail to you all parties several times and have received no results.
Consumer complaint received 2021-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX XXXX, 2021 I signed and personally delivered to Truist XXXX, XXXX XXXX XXXX, XXXX, GA my signed XXXX XXXX XXXX Notice which will be attached to this complaint. The XXXX XXXX XXXX after an hour of determining what to do with the document, handled the transmission of the document to the appropriate department. The bank ignored this XXXX of XXXX and reported the loan to all three credit bureaus on XX/XX/XXXX. The HELOC was new and not a refinance and therefore complies with the XXXX day right of recissoin and nothing should have been filed or opened until XXXX XXXX, 2021. The Bank also filed as of XXXX/XXXX/XXXX1 the Security Deed against my property. Recorded in Deed XXXX XXXX, XXXX XXXX, XXXX XXXX, GA XXXX. The bank is aware of the issue because it has assigned someone from its XXXX office to investigate. The bank is in violation of XXXX XXXX. The bank is not doing anything to clear this matter except talk.
Consumer complaint received 2021-11-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (NC)

dates : XXXX XXXX XXXX at different times. the company is XXXX ( american coradiaus international LLC. this company has been contacting me on behalf of my debt with XXXX XXXX savings bank. i agreed on an amount to be taken out of my checking account but i do not feel comfortable with giving this type of information because they could be scamming me. i already gave them the checking account and routing number but i do not think they should have asked for this information. and they do not give me the full account numbers for my past due XXXX XXXX XXXX bank accounts, only the last XXXX digits. i would like for this company to not go into my bank account and not take anything out. i am a XXXX veteran and do not feel well at times. please inform them of this
Consumer complaint received 2018-02-27
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. (IL)

I have been the victim of identity theft. After signing up for credit monitoring services, I noticed a total of 14 unauthorized inquiries. I submitted an dispute to Transunion XX/XX/XXXX notifying the of the fraudulent inquires but after their investigation, all of the unauthorized inquiries remained. I filed a XXXX police report # XXXX. The inquiries are listed below : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX   XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Consumer complaint received 2021-11-22
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Net Pay Advance, Inc. (CA)

On XXXX XXXX, 2021, I received an email from Net Pay Advance welcoming me and advertising their " points '' and promotions. I didn't read it and deleted ( I found it later in my Deleted Items folder ). 

On XXXX XXXX, 2021, I received an email from Net Pay Advance with the subject " Due Date Reminder. '' I opened this email but since I have no business with this company did not respond. The message claimed I had {$110.00} due. 

On XXXX XXXX, 2021, I received an email with a time stamp of XXXX that an attempt to process a payment was not successful. 

On XXXX XXXX, 2021, I received an email from Net Pay Advance with a time stamp of XXXX. The email indicated that an automated request had been sent to the back account on file to receive payment for the loan. No withdrawal was made from my account. 

XXXX robo-call voice messages were on my voice mail related to this issue, at our home number ( which we use only for junk ). 

I do not want to contact this business because I do not know if they are legitimate. My credit report does not show any new debts or activity, at least not yet.
Consumer complaint received 2021-11-22
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Onity Group Inc. (DC)

Company sent a notice of acceleration on or near XX/XX/XXXX. 

XXXX ) The notice of the collections firm include an amount in arrears XXXX ) I disputed the debt but didn't get a reply within 30 days. 

XXXX ) The company filed for foreclosure sale on or near XX/XX/XXXX. 

XXXX ) The company told me they approved me for a modification on XX/XX/XXXX but I never got the modification and the company falsely noted that I withdrew the acceptance of the modification. 

XXXX ) I notified the company of the new XXXX CFPB rules on XX/XX/XXXX and they are mandated to contact and modify loans due to XXXX and the company ignored the request. 

XXXX ) I set up appointments to speak and the company calls on the wrong dates at the unassigned time. 

XXXX ) I get conflicting information on how the company will resolve its XX/XX/XXXX representation of approval for loss mitigation. XXXX person says 10 days another person gave me a date that's almost 21 days. 

XXXX ) The company hasnt processed a XX/XX/XXXX application of loss mitigation. 

XXXX ) I've sent multiple Notices of Errors, Qualified Written Responses, and other data to company and it hasn't replied or resolved any of the registered notices of errors and request for corrections. 

XXXX ) I'm getting call a from people seeking to buy my home being advertised for foreclosure when its illegal and a violation of the XXXX emergency by CFPB guidelines to conduct a sale at this time.
Consumer complaint received 2024-03-15
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. (CA)

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove.I have been verified by both TransUnion and XXXX that I am part of the Transunion and XXXX data breach.
Consumer complaint received 2021-09-26
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

The company portfolio recovery has violated the following actions : Communication tactics- Back in XXXX I received a phone call from a female rep and requested that they do not contact me regarding this debt due to the offensiveness and repeated phone calls over and over again, sometimes after XXXX. 

Threatening to sue : despite me requesting they do not contact me any further, this month, XXXX, I received a phone call from a male rep who i also informed I have requested to not contact me by phone. Contacting me by phone violates debt collection code and is damaging to my reputation and causes me emotional distress. He stated I should know they intend to sue me and he proceeded to call out several addresses ( none of which are mine ) stating they will be mailing their intent to sue to each of the addresses on file. To include an address I stayed at for 3 months for a temporary job assignment in XXXX California in XXXX. The stay was an XXXX  but I had to supply the address for XXXX  XXXX  in California for my XXXX XXXX XXXX XXXX. This violates my right to privacy. They also threatened to send the letter to my parents home which is also a violation of my privacy. 

I filed this same complaint against portfolio recovery for impersonating a Law official and showing up to someones home which was not mine with papers pretending to serve me. They have called my father and disclosed private information saying they will sue me in court. Only one account under portfolio recovery was discharged and they continue with their harassing tactics. And continue to violate these practices.

They are also attempting to collect a debt that is over 7 years old. This debt originated illegally in XX/XX/XXXX with XXXX who then sold the debt to XXXX XXXX, who then sold the debt to Portfolio Recovery. It is now XX/XX/XXXX.
Consumer complaint received 2021-11-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MI)

I received a call on wednesday XX/XX/21 at XXXX from XXXX XXXX office according to the message the representative XXXX XXXX left on my messenger recorder from number XXXX XXXX ext. XXXX and her exact words were, XXXX XXXX I AM REVIEWING TO GET TO YOU YOUR ESCROW ACCOUNT FUNDS. 

Then I conducted a XXXX search of the phone number on my caller ID as XXXX XXXX and discovered that she called me from XXXX XXXX Department- please take action and announce to the CFPB that XXXX XXXX and parties involved supported him committed a Big Fraud against me about property XXXX XXXX XXXX XXXX, mi XXXX and let the XXXX michigan police department know the truth about the property and that they not stand on fraud.