davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (CA)

On XX/XX/XXXX and electronic transfer amount of {$950.00} from XXXX XXXX XXXX XXXX to XXXX through XXXX was not completed due to a connectivity issue. I have contacted XXXX XXXX XXXX XXXX daily in an attempt to resolve this issue but to date ( XX/XX/XXXX ) the money has not been returned to my account. I have incurred {$45.00} in late fees due to this failed transfer.
Consumer complaint received 2019-12-30
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. (CA)

I have a XXXX XXXX XXXX account for {$4600.00} reporting on my credit, that is not my account. XXXX XXXX 2019, I submitted ; FTC report, police report along with a personal statement from myself to Experian. I checked my Experian online account on XXXX XXXX, 2019 and I had received a confirmation from Experian that, they have received my documents to dispute XXXX XXXX XXXX. On XXXX XXXX, 2019 Experian removed XXXX XXXX XXXX from my credit file. Has of XXXX XXXX, 2019, XXXX XXXX XXXX has been resubmitted on my credit profile. On XX/XX/2019 at XXXX I talked to XXXX ( Team XXXX, Supervisor ) with Experian and I was told ; XXXX XXXX XXXX  never did provide them with any type of proof, but XXXX XXXX XXXX did say that the account was my account and Experian has no obligation to verify that the information being reported by XXXX XXXX XXXX  is accurate. XXXX refused to help me with this item reporting on my report.
Consumer complaint received 2019-12-30
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. (TX)

The following accounts are fraudulent : XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$490.00} XXXX XXXX {$1500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1400.00}
Consumer complaint received 2019-12-31
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. (NJ)

On XX/XX/XXXX there was a XXXX XXXX XXXX XXXX card opened up under my name that is showing on Experian also on XXXX XXXX there was a XXXX XXXX  that was opened up on XX/XX/XXXX I never signed any documents with XXXX XXXX  but they are reporting this account I need proof of documents with XXXX XXXX  that I signed anything accepting this debt Inclosed is the identity theft affidavit Also my police report with the XXXX police department
Consumer complaint received 2019-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

This vehicle was repossessed by XXXX XXXX in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi! I sent in a dispute last month, as well as Ftc Report, Police Report, and a Identity Theft Report. Most was removed accept a XXXX XXXX Credit Card and a few inquiries. XXXX   removed the car loan from XXXX XXXX but said that the credit card from XXXX was verified. They sent no explanation how they verified the account. Based on the Fair Credit Act Law they are suppose to explain how they verify the account. However i did not open, nor did i give anyone authorization to use my credit. 

My identification was stolen from me a couple of years before, this is not the first this has happen to me. I seek help with removing these items from my credit report. I believe they did not do a proper investigation, if they had then the other XXXX account would have been deleted just like the other. Here is the account information that is listed on XXXX with XXXX XXXX XXXX XXXX Account number is XXXX Opened XXXX Balance XXXX Here is the 3 inquiries that are listed on TransUnion. XXXX XXXX XXXX Opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-30
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Social Finance, Inc. (NJ)

Sofi offered my husband and I a student loan refi the week of XX/XX/19 after all paperwork was completed at an APR that we verbally accepted, but it was not honored due to an employee error. We spent countless hours with them on the phone and they called us over and over again offering a much higher rate as the internal communication within the company is non existent. They wasted hours of our time over the holiday season. Sofi was completely disorganized, inefficient and cost us thousands of dollars due to their mistake. We are current customers and will be closing all accounts with this company as they do not treat consumers fairly.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (LA)

Incorrect information showing on my credit report. Navy federal is showing 2 loans on my credit one {$29.00}, XXXX and {$30000.00} with same open dates of XX/XX/2015. I have request that document showing proof of either loan with signatures or picture ID and/or Promissory Note. After several phone calls Neither have been received Nor have these items been removed form my XXXX or XXXX  credit reports.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX  ; XXXX  and Transunion are reporting incorrect language on the XXXX  account number XXXX. This account is being reported as a Balloon Payment account with a balance amount due of {$20000.00}. The original amount financed was {$26000.00}. The loan terms are to make 179 consecutive payments of {$170.00} of which I have made 167 consecutive payments of {$170.00}. The total amount I have paid to date is {$29000.00}. The interest rate that I was being charged was 7.030 %. This loan has since been paid and there is no balloon payment due. I have contacted H.U.D. in the State of Illinois regarding this loan agreement and I was told that this loan was not only a predatory loan but the fact that the Balloon Payment terms were never property explained to me is a direct violation of fair lending practices. I was victim of this predatory lending practice. The language currently being used on my credit report states this account has a Balloon Payment which is incorrect and my credit report is also showing an incorrect amount past due. This false reporting is seriously harming my credit score and this line item needs to be completely removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however I have not been successful.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX  transferred my mortgage loan to XXXX XXXX  in the month of XX/XX/2019. During that time, I was in the application process of a loan modification. In order for me to qualify for the loan modification my loan had to be past due. So to avoid a 30 day late, I would make my past due payment later in the month but well before 30 days to avoid the reporting. 

When I tried to make my XX/XX/2019 payment in late XX/XX/2019. XXXX told me that my loan was transferred and to call XXXX XXXX. 

I called XXXX XXXX but they said my information was not transferred and to call back. I explained the circumstances and explained my fear of a 30 day late reporting. XXXX XXXX told me that neither bank could report negatively until 45 days after because of the transfer. On XX/XX/2019, my account was established with XXXX XXXX and I was finally able to make my XX/XX/2019 payment. 

However, XXXX reported a 30 day late for XX/XX/2019. If Im not mistaken, RSPA Section 6 states that there is a 60 day window for reporting adversely during a transfer. 

My wife became ill lost her job and we cant afford our current home. We are trying to sell our home and qualify for affordable housing. But we do not qualify with a 30 day late reported within the last 12 months.
Consumer complaint received 2022-10-05
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. (CA)

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account not later than 4 business days after the August 31, 2022. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your XXXX XXXX. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2020-06-09
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: Experian Information Solutions Inc. (TX)

I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all 3 bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Company reported my account closed due to chapter XXXX wage earner plan on XX/XX/2019. I filed a dispute with XXXX  and Transunion on XX/XX/2019 and they both claimed negative information is correct. I called XXXX MasterCard directly on XX/XX/2019 they told me they would open an investigation and for me to call back in 7 to 10 days. I have never filed bankruptcy or missed a payment!
Consumer complaint received 2020-06-09
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. (TX)

I currently have a XXXX XXXX credit card with a {$700.00} limit. This is one of my oldest cards and I have NEVER been late. The account is very much still open and being used. It has been removed from all 3 of my credit reports. I've called XXXX XXXX and all XXXX bureaus and both keep passing the issue back and forth. This has caused a decrease in my credit scores and I am in the process of purchasing a home. I can't have these types of errors right now. PLEASE HELP! SOMEBODY, ANYBODY!
Consumer complaint received 2020-06-09
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. (AL)

I have recently the below accounts disputed the accounts with the credit bureaus and they have respond back that the accounts are verified but can not provide me with any proof of accounts being verified and reported 100 % accurately and complete. I have respond with asking for the method of verification and they have respond with No Method of Verification just resent the report refusing to re-investigate. I have also contacted the original creditor they have respond with no proof.
Consumer complaint received 2019-12-30
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. (FL)

Fraudulent inquires : XXXX XXXX on XX/XX/XXXX Equifax mortgage Services on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2023-11-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

On XX/XX/2019, I realized three large transactions to my account that I had no knowledge of. But I still had my debit card in my possession. 

The charges totaled {$1600.00}. They were two purchases of {$350.00} from XXXX and another online purchase of more than {$900.00}. 

I called the bank to file a fraud claim. The claim number is XXXX. I also informed them that I had rent due the next day, but they told me I would have to wait 10 days before receiving the money back. Because of such, my rent was past due. 

On XX/XX/2019, they credited my account the amount of {$1600.00} while they continued to research the claim. 

Then on XX/XX/2019, they let me know that they found that " one or more merchant credits posted to your account totaling {$350.00}. 

Because the merchant has credited your account, the previously issued credit for {$350.00} has been reversed. We now consider this dispute ( s ) resolved. '' Then, on XX/XX/2019, they informed me that they would be reversing the credited amount because " Our records show the transaction activity in question was authorized and posted correctly to your account. 

As a result, the credit for {$1300.00} that was previously applied to your account will be removed on XX/XX/2019. Additionally, any credit that was applied to your account for the reimbursement of fees related to this claim will be removed.because these were charges that I made myself. '' I contacted them on XX/XX/2019 by phone to ask what happened. They said that it did not fit a pattern of fraudulent activity -- even though I've never used those merchants before. That in order to reopen the investigation, I needed to fax a letter. I don't have a fax machine. 

I do not know any information about the fraudulent purchases. I did not make them. I had my debit card in my possession the entire time. They not only treated me poorly XXXX like I wasn't a customer ), they did not live up to their responsibility of covering fraud.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Technology Federal Credit Union (CO)

First Tech Federal Credit Union based in Oregon is intentionally abusing my credit account. I had three loans with them : 1 ). XXXX XXXX XXXX Auto Loan. 2 ). XXXX XXXX XXXX Auto Loan and 3 ). Credit card. 

I paid off item # 1 with no problem and received the title. 

For item # 3, the credit card : After getting laid off from XXXX in XXXX, I had difficulty with the credit card payment and interest. I was able to make large payments but they kept collecting interest at over 28 %. Finally, it became late and they " charged off the account. '' They are reporting me " late '' for this account as of XX/XX/XXXX, and this " late '' account is for 30 days past due in XXXX! 
This account is in charge off but they are reporting me late. 

Item # 2, the XXXX XXXX XXXX was paid off this year but they are reporting that I owe a balance. According to my monitoring program, " XXXX XXXX '' by XXXX  XXXX, they are not reporting me current either. I have filed corrections with the bureaus and the problem still persists. 

Furthermore, First Tech Federal has not released the title for the XXXX XXXX. In sum, they are reporting the wrong balance and not reporting I paid off this loan. They are also not releasing my title. 

Overall, they have been very difficult to work with. I've sent emails to the CEO and nothing happened. Regarding the credit card, the last " program '' they offered me was to make payments. I agreed but they LOCKED me out of my account and turned off my debit card ( I used this at a co-op credit union to made payment deposits ). Their action required me to go to their branch miles away to make the payment in person. I did this for the XXXX XXXX  and paid it off, as mentioned. First Tech Federal is abusing my credit report and me and keeping my credit score artificially lower due to their lack of reporting. One last thing, they always reported me " late '' on my XXXX XXXX  each month ( when I was late ). This is proof that they know how to report monthly and this is not an oversight on their part but intentional.
Consumer complaint received 2019-12-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO Bank, N.A. (IL)

According to the Illinois Motor Vehicle Retail installment sale act, in regualition of all federal truth and lending acts. The illinois retail installment contracts is supposed to have an aribitration clause. There is no Arbitration Clause in the contract that i signed with Bmo which constitutes this contract as one sided. I am requesting an examiner to overlook contracts submitted by BMO auto loan department. This constitutes a class action law suit on buyers behalf.
Consumer complaint received 2019-12-30
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. (LA)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 60 ) days past due on XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have been unsuccessful.
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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA (OH)

I had turned in my lease early to XXXX in XX/XX/2019. The initial bill I received after turning over the vehicle was in mid XX/XX/2019. Over the next few weeks I was in direct contact with KIA Motor Finance and we came to a settlement agreement that I could XXXX and the rep on the phone as well as the settlement paperwork stated I had till a certain date to Pay. The rep also reassured it would not affect my credit if I made the payment by then. I upheld my end of the agreement making the payment in the agreed amount The very next day they reported to the credit reporting agencies that I was 30 days late and then again a few days of weeks later they reported I was 60 days past due all after I had made my payment. I called numerous times requesting they remove it and wrote letters asking they update my credit report to show I was not past due qe had an agreement in place and they have not. Recently I reached out to XXXX and requested the record to paid as agreed and removed the XXXX 60 days late which they agreed they only updated the paid as agreed status still not Removing that I was XXXX to 60 days past due. The credit reporting agencies I reached out to all of them did not resolve My dispute.
Consumer complaint received 2019-12-30
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. (LA)

I've sent a letter to the credit bureau around XX/XX/30 and never received a response. I then sent another letter around XXXX and have yet to get a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of homeownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp. (TX)

I am receiving emails on my work email from a collection agency named TrueAccord, stating that they are collecting for another collection agency XXXX XXXX. The emails are from a XXXX XXXX and XXXX XXXX. They are aggressive and frequent I asked him to stop emailing my job but to no avail. They are in violation of the FDCPA. 
I don't know the account they are stating that I owe. I can lose my job over getting personal emails at work and it MUST STOP