davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: TRUIST FINANCIAL CORPORATION (MO)

The vehicle was repossessed at the beginning of XXXX. I received a notice from the lender that the balance of the vehicle after it was sold at an auction was {$14000.00}. I called Regional Acceptance Corporation which is the auto loan lender on XX/XX/XXXX. It states that the 10 and 20 day payoff for the balance of the auto loan is {$15000.00}. I spoke to a representative whom informed me that the auto loan was sent to a law firm by the name of XXXX, XXXX and XXXX. I then contacted them and was told by a representative by the name of XXXX at XXXX extension XXXX that the balance now as of today to payoff was over {$19000.00} because the loan has continued to collect interest at a rate of 16.9 %. 
This should be illegal and at this point I will never be able to pay off the loan. How can interest continue to accrue on a vehicle that you no longer have possession of. Also throughout the time of having the vehicle I had to make several high cost repairs including one a few months after purchasing the car and repairing/replacing the transmission twice in XXXX when the car was not even 2 years old and had less than 60,000 miles.
Consumer complaint received 2019-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Town Square Mortgage & Investments, LLC (TX)

When purchasing a home last year, Town Square Mortgage in XXXX XXXX TX could not obtain my XXXX score. 

They claim that contacted XXXX and I don't know what the agent told XXXX but after that all they could provide was a mixed up report, with 5 other peoples information. 

Since that time I have spent over 100 hours on the phone trying to fix the report with no success. 

When I call Town Square Mortgage or my broker for assistance, they tell me they did nothing wrong.
Consumer complaint received 2018-04-12
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. (PA)

Experian has to many Inquiries on my credit file that I did not apply for or give permission. Experian says that I applied or tried to obtain credit. Experian has companies I did not apply for credit. 
Experian has nothing to support what they say by no contract nor any supporting documents. just words as in fraud by Experian with no support.
Consumer complaint received 2022-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxx, has violated my rights. 

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.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

The Experian credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

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 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
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (MD)

I disputed unrecognized inquiries on my consumer credit report provided by equifax through a mail sent to equfax by mail on the XXXX of XX/XX/2022. Till today equifax has not responded.
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (FL)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-07-27
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. (FL)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report. 

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Consumer complaint received 2020-07-27
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: EQUIFAX, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-07-27
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: EQUIFAX, 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 as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX {$25000.00}
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I deposited a check into my checking account today and the bank placed a hold on it for no reason for 10 days and did not tell me until the end of the transaction when I received the deposit slip. I asked why it was being held and they gave me no reason. I have banked with this particular bank for over 20 years, and the company I received the check from I have been with over 3 years. I have deposited many of their checks with no hassle or hold. I do not have a history of bad checks or bounced checks so I asked them for the check back and they told me no. They said I would have to wait the 10 days it said on the deposit slip. They were rude and did not seem to care about my money being tied up for the next 10 days. I told them that money is covering my bills and what am I suppose to do and they said sorry. I called their corporate office and was told that the check should have been returned to me when I asked. They also told me I should have been told that they could not deposit the check and there would be a 10 day hold.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (NJ)

My wife closed the XXXX account under my name and opened a new account under her 's to obtain a discount. XXXX closed the account in late XX/XX/XXXXearlyXX/XX/XXXX without a balance due. My wife ( XXXX ) contacted XXXX ( 1st debt collector ) on XX/XX/XXXX via mail to dispute the claim of {$530.00} and didn't receive an answer. She call XXXX on many dates to have them tell her the same thing- there isn't anything owed and the account shouldn't have gone to collections. Again on XX/XX/XXXX after another review of my credit report she spoke to the Credit Reporting Department at XXXX ( XXXX ) who repeated there isn't any money due, this should never have gone to collections and she would help to remove the negative item from the report with Trident Asset Management, LLC. XXXX was given a control # and said it will be removed in 30-60 days. XXXX also sent a XXXX balance notice as proof. XXXX then mailed all documentation to Trident onXX/XX/XXXXand still has not heard back from the company AND the item is STILL showing up on my credit report. XXXX called Trident 15 times today ( XX/XX/XXXX ) and couldn't get through ( either automated system kept looping or phone wouldn't ring ) and once she did she got through as caller # 1 in the queue she was hung up on.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Ability Recovery Services, LLC (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : ABILITY RECOVERY SERVICE
Consumer complaint received 2022-07-22
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. (VA)

I sent a letter on XX/XX/2022 to remove XXXX XXXX Bankruptcy Reference # XXXX Liability : {$0.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any account or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaint # XXXX & I am including it again.
Consumer complaint received 2022-07-22
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. (LA)

I submitted a complaint last XX/XX/2022 to remove : ( ), which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$400.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} XXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2200.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$460.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4000.00}
Consumer complaint received 2023-08-15
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (TN)

I sent USD XXXX to XXXX on XXXX XXXX at XXXXXXXX XXXX using Sendwave to XXXX XXXX XXXX  and it was never received by the recipient. 
I called Sendwave and informed them of the situation and they told me to get the bank statement from the recipient to prove my claim. I sent them the statement and even involved the recipient bank in all the correspondences between me and sendwave. XXXX XXXX also confirmed the money was not received. 

Sendwave has been unresponsive despite all evidence showing that the money sent was not received.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (FL)

I attempted to purchase a vehicle from XXXX via a company called " XXXX XXXXXXXX XXXX XXXX XXXX and through an agent, going by the name of : XXXX XXXX. XXXX XXXX contacted me via XXXX from phone number XXXX XXXX and advised me that payment has to be made through " Wise '' money transfer service and to the recipient XXXX XXXX XXXX XXXX ''. The cost of the vehicle in question was USD {$5200.00} XXXX, but XXXX XXXX also stated that I had to provide an additional USD {$1900.00} for shipping, customs, and anything else to make this transaction smooth. XXXX XXXX said the vehicle was shipped and should arrive around XX/XX/2024. He also stated that he will provide the documents via XXXX for the vehicle, in which I never received. XXXX XX/XX/2024, I asked XXXX XXXX for the documents and the location of the vehicle, he failed to provide me the documents, but told me that the vehicle was in XXXX, Florida and located on XXXX XXXX. XXXX XXXX requested an additional {$2000.00} to release the vehicle. I refused and at that point, I realized that this is not going well. I pointed out that the lack of documents seemed sketchy and XXXX XXXX replied that as soon as I send the additional {$2000.00}, he would release the documents. I attempted to contact XXXX XXXX and then wise, but my account had been closed with wise.
Consumer complaint received 2021-10-25
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)

On XX/XX/XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-05-02
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. (TX)

I have been disputing things diligently with XXXX over and over.

I have been told they don't have documents, I haven't disputed items, that they don't have my FTC report and Police Report and I am frustrated with the lack of effort they use to do their jobs.

They are dealing with peoples credit and they show no regard while doing so. I have disputed fraudulent accounts that have been removed and now XXXX  have allowed them to be reinserted under a different debt collector name ... .but the same accounts. This does not seem legal. I have called and requested the removal of these accounts and have been met with resistance the whole way.

These accounts in question are : XXXX XXXX XXXX  ( formerly XXXX XXXX ) -- -- that was referred to the Federal Reserve and that was suppose to be removed from all three cresit bureaus. But is still showing.

XXXX ( formerly XXXX XXXX ) -- -that was also removed from my credit file for fraud with Experian and reinserted under a different name to XXXX .

XXXX XXXX ( formerly XXXX XXXX ) which was also removed from my credit for fraud file and reinsertes under a different debt collector name.

I have disputed inquiries numerous times to all three bureaus asking the police report and FTC identity theft report be attached and to this date, they remain.

I don't know what else to do if I have submitted all documentation and these representatives continue to misuse our information and give us false information to get us off the phone.

My last phone call with XXXX lasted almost 2 hrs and I had to speak with at least 4 different people ... to which nothing was resolved. I came in on an outsourced line where I requested a US rep. I received the US rep with the initials XXXX, who was suppose to dispute these reinsertes accounts and I asked to speak with a supervisor to file a complaint because she didn't have my police and identity theft report and I was then transferred to another representative that wasn't even a super isor and learned that the previous representative didn't even file the dispute on any of the fraudulent accounts.

THIS IS CRAZY!!! They are put in positions to control information that affect people lives and they do nothing to protect our information. Something has to be done about this. This is ridiculous.