davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2020-08-11
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. (OH)

I previously submitted a police report and a FTC report for Identity theft. Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Under the Fair Debt CollectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (OH)

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account.

CREDIT ACCEPTANCE CORP # XXXX
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (NJ)

Late fees and interest without receiving a bill. Visa does not want to fix. Attempts were made. Requested a bill copy and received another person 's bill.
Consumer complaint received 2020-08-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (PA)

I rely on transferring my money through XXXX XXXX, to my family. Being as that the PNC APPS are sub par at best, I havent been able To use the XXXX application embedded into their app. This leaves me with no other option to switch banks, especially when I am authorizing the use of the app to transfer money to my sick family members. This is terrible and Ive never experiences such bad coding in an app, nor have I ever been told that I couldnt transfer money in the way I see fit! The app never works, and Im at a loss. This needs resolved ASAP!
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (NC)

The expected interest rate of the loan was to be expected at 23  %. The company sent me the loan terms after they deposited the funds into my account and had the interest rate set at 767.5 %, and they are now trying to withdraw about {$530.00} per month from my checking account for 21 months totalling {$5300.00} repayment on a {$1000.00} note.
Consumer complaint received 2020-08-11
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. (OH)

I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have never received any notification to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
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. (OH)

I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-06-17
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: EQUIFAX, INC. (SC)

Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report
Consumer complaint received 2020-06-17
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. (SC)

Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report
Consumer complaint received 2020-08-11
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. (OH)

I have never received any notification or had the opportunity to dispute this account and I'm unaware of this debt. 

Please provide assignment of debt, validation of debt, and method of validation or remove this account. 


XXXX XXXX XXXX # XXXX
Consumer complaint received 2020-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A. (OH)

I have tried to connect my PNC bank account to several different financial services all of what use XXXX  on the back end. Every time, PNC blocks the connection. other bank accounts with other banks that I have do not exhibit this issue, and XXXX has made it clear that PNC is deliberately trying to block their access. The same is true for work that my company has done.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (AZ)

After reviewing my credit report, I have found numerous inaccurate names, aliases, addresses that do not belong to me. 
I sent a dispute letter via mail to the credit reporting agency to have the fraudulent, inaccurate, incomplete personal information removed from my credit report. 
After re-reviewing my report I found that the fraudulent, inaccurate, incomplete personal information is still being reported on my file.
Consumer complaint received 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Submitted several letters asking for Proof of Debt, including request for signature or contract from said debt collector. They only responded with copies of old statements for original creditor, that debt was written off. There is no contract with current debt collector. Therefor no evidence of an agreement, contract or statements between myself and debt collector. I cite XXXX XXXX XXXX XXXX XXXX XXXX in this matter now and in a court of law. 
dates of letters : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$4200.00} They have refused to remove from credit bureaus and have not verified debt.
Consumer complaint received 2020-06-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-06-11
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. (FL)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompts me to check my credit report. These items listed are not mine and need to be removed.
Consumer complaint received 2020-06-11
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. (NY)

XXXX  ; Experian and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-11
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. (NY)

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (FL)

Pnc bank wants to charge me a fee or percentage when I make a check deposit in to my personal checking account. They wont make your deposit available right away unless you pay their ( legal mafia fee ) which is {$36.00} overdraft fee. I made a deposit yesterday in to my checking account and I cut a check to my landlord and deposit a check to his account. guess what they processed that check immediately but the other check that I deposited to my checking account wasn't processed right away. Is this fair?? This is not " BANKING ''!!!!!
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion is currently reporting an account under XXXX XXXX that has been successfully removed from both my XXXX and XXXX reports due to inaccuracies. Despite this, and despite providing evidence of these inaccuracies, TransUnion persists in retaining these erroneous accounts on my report. This action blatantly contravenes the Fair Credit Reporting Act ( FCRA ), particularly violating FCRA Section 611. I am seeking prompt resolution in accordance with this code, which necessitates the immediate termination of inaccuracies.
Consumer complaint received 2020-06-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Prosper Marketplace, Inc. (ID)

I spent 2 days submitting info to Prosper.com. They have it so you can sign in through email or password. So i get an email saying my loan had been denied and to log into prosper to find out why. Prosper closed my account BECAUSE the loan was denied and therefore gave no access to find out why. When i called they said that it was something about income verification and that the form i provided didn't meet their requirement. They literally told me to log into an account that they had closed. Didn't even try to get the proper verification for my financials. So they denied my loan over something that could have been rectified, closed my account so i couldn't fix this issue, then told me to check my prosper mailbox to find out why it was rejected AFTER THEY CLOSED MY ACCOUNT. Spent two days and many hours.
Consumer complaint received 2020-06-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

I closed a mortgage in XX/XX/XXXX and Shellpoint is the servicer, they set up an escrow account and have been collecting monthly for the taxes and insurance. As of XX/XX/XXXXthe escrow balance was {$9300.00}. My XX/XX/XXXX taxes were not paid and I am showing delinquent and there are penalties and interest accruing. When I brought this to there attention they told me to send a letter so they can open an investigation. Since then I have been sent 3 letters and they are claiming that they never set up an escrow account yet they have been collecting almost {$700.00} per month, All the customer service reps seem to be concerned about is trying to set up a meeting with a HUD counselor and don't have any authority to do anything. At this point I want them to return the funds in the escrow account and reimburse me for the penalties and interest. I will pay my own taxes and insurance.
Consumer complaint received 2020-06-11
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. (NY)

Equifax ; XXXX  and XXXX  should not be reporting that I am ( 30 ) days late for XX/XX/XXXX on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to XXXX XXXX  and unfortunately the late was generated during the grace period for the payoff and consequently is now reporting in error. ( I have attached a copy of the letter dated XX/XX/XXXX from XXXX XXXX. ) Please note paragraph ( 4 ) of the letter stating beginning on XX/XX/XXXX payment, all future remittances should be sent to the address listed above. Because the payment was remitted to the new address well within the grace period for transferring a loan, this late that is reporting needs to be removed. This false reporting of a late is seriously harming my credit. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-17
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Byrider Franchising, LLC (OH)

I was not able to make my bi-weekly payment of {$180.00} this week. I left multiple messages for the company explaining this and that I would have the payment of {$180.00} on XX/XX/2020. I recieved a text messgae at XXXXXXXX from XXXX threatening me to not make him " use his resources ''. He stated in a text later in the day that as a Officer of the Court what about my Ethics. Made multiple referneces to my job making me feel as if it were being threatened. He make continuous references to me buying another vehicle telling me to pay my car payment like I pay my other car payment. I am no longer comfortable having any contact with this man. I informed him that further commuication would be with his boss and he sends me his contact followed by another text in all caps stating that they are in the office waiting for my call. I have never dealt with any type of debt collection practice like this in my life. This is not OK!! XXXX has contacted me from his cell ( XXXX ) XXXX and his office ( XXXX ) XXXX. His boss is XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-11
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Consumer complaint received 2020-06-11
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. (CO)

XXXX and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge in the amount of {$840.00} on the XXXX XXXX XXXX/XXXX XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) I was in an automobile accident and the accident was not my fault. The other driver was at fault and their insurance company, XXXX, covered all monetary responsibilities for the accident, including all of my medical bills. ( I have attached a copy of the police report for reference. ) The accounts referenced above should have been paid and therefore no outstanding balances are due. I was not aware there were medical collections until I obtained a most recent copy of my credit report. I never received any letters or any communication of any kind and consequently I had no idea there were any outstanding bills associated with the automobile accident. Continuing to report a collection/chargeoff on my credit report is a violation of the Fair Debt Collection Practices Act. This false reporting is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these line items from my credit report however, I have not been successful.
Consumer complaint received 2022-10-30
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: Experian Information Solutions Inc. (CA)

All of the companies below ran hard inquiries using my credit report without my authorization XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXXXXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/202XXXX 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 XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX  XXXX XXXX XX/XX/2022