davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-01
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. (MI)

i have contacted all 3 credit bureaus as well as XXXX XXXX 6 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors i see,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a {$910.00} balance and it is also reporting a credit limit and a past due ... those are all violations as a " charged Off '' account should not be reporting any of that ... .look at the 2 year history it is not uniform across the board which it should be...
Consumer complaint received 2022-12-01
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. (CA)

This is my 4th request that I have been a victim of identity theft and that no one seems to care, that I want to question specific records in my credit file that do not belong to me. These items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXXXX/XX/XXXX
Consumer complaint received 2018-05-04
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. (VA)

I had an incorrect late payment reported on my report without me knowing it for 8 month from XX/XX/2017. I only found out about this when I was denied a home equity loan. After dealing with each credit reporting agency, I did get those late payments deleted, however, my credit score was still massively lower- XXXX down to XXXX during this process. It is entirely unreasonable and inappropriate for 1 late payment over the course of 20 years of credit to drop my credit score by 85 points and take it from excellent to marginal. This is unacceptable. Consumers should have free and available access to their credit reports and scores and be notified of any changes up or down by any agency that is touching a consumers credit. In fact, I do not believe private companies should be able to hold this power. I urge CFPB to look into making credit scores available to consumers and the process by which the scores change public. Consumers should understand what and by how much their credit score will change with any given infraction or action. Please protect consumers and take the guesswork out of credit reporting and scores.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (IN)

I tried a website to get an answer on a computer problem. The site did not answer my question and charged me XXXX. I called U.S. Bank and told them not to honor that charge because I didn't get an answer, they took this charge off my bill. The next day, I looked at my credit charges, on-line, and found a XXXX charge for joining this site. I did not join this site! The charge was put on without my knowledge. I called and told the fraud department that this was a fraudulent charge and they shouldn't honor this charge. They told me this charge would be taken off my bill. I have since closed my account because of this charge and I keep getting notices that I owe this bill. For three months I've been dealing with the fraud department and they are still charging me for this fraudulent charge.
Consumer complaint received 2022-07-23
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 sent a letter to CREDIT BUREAUS on XX/XX/2022 to remove XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$780.00} ; XXXX XXXX XXXX XXXX XXXX : 10 XXXX XXXX XXXX ) XXXX Balance XXXX {$780.00} that are UNKNOWN to me . I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX, EQUIFAX, and XXXX are required to remove any items or information not later than 4 business days after the XX/XX/XXXX letter.Ive already included this in my previous Complaint # XXXX XXXX, and XXXX & I am including it again.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (MO)

Starting in  XXXX  o f 2016 i  started writing letters to the credit bureaus to attempt to remove/verify this item from my report. I then went directly to the company itself. I have NOT received a RESPONSE to any of my inquiries. I am so incredibly frustrated by the lack of response. I have NO IDEA what this is. Where it came from. What it 's for. and NO ONE WILL HELP me. This should not be on my report and is affecting my finances. this is NOT RIGHT.
Consumer complaint received 2019-10-13
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I purchased a new car through XXXX XXXX in XXXX, NY. My loan was through Nissan Motor Acceptance Corporation. It was a disaster from the beginning. I went to make my first payment, and they had absolute no record of me, my car, or my account. So days were passing and I was so nervous I would be late for my first payment. I called at least ten times to the dealership to find out what was going on. Nobody k ew a y thing, and they explained the man who sold me the car wouldn't be back for three weeks. I had no choice but to wait, because I had no account with NMAC. So finally XXXX gets back, get talks with the manager, and they discovered the finance manager never submitted my paperwork. Now it's two months in at this point. So I was furious! They were extremely apologetic and said this is a one in a million chance of this happening. Now mind you, if k hadn't said anything, I could have had a free car! But I do the right thing. So that was straightened out and my account was created. I advised them that they better not charge me late fee. So fast forward to a month later I was on my lunch break at work. I ran to the gym, O my way back I got pulled over for not signaling. It was brought to my attention that my license was suspended from a ticket years ago. Now mind you, if I was suspended how did I get Insurance at the dealership through XXXX in my name?!?! So the police said they had to impound the car. They gave me a card with a handwritten shop that my car was being towed to. No such shop exists! For two weeks, at {$150.00} a day, I spent trying to find my car. Finally I called the dealer, explained what happened. They told me they would just buy the car back, and I would owe them {$1000.00} and they would resell it. They said it would not go on my credit, because of all the confusion I had with them, they would do the is for me. I was grateful and went on with my life. Well here we are, with this one my credit as a charge off! I called NMAC and they said they never picked the car up, in fact it was sold at an auction for {$9000.00} and I was responsible for XXXX XXXX.i explained the deal we had, and she said to call them. Well I've been calling for weeks, no returned calls, nothing!
Consumer complaint received 2021-03-08
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. (UT)

I have attempted to dispute erroneous accounts on my credit reports with Equifax, XXXX, and XXXX  but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX XXXX XXXX Equifax
Consumer complaint received 2019-10-13
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that ( Account Name ) has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2018-02-24
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. (FL)

I applied for a XXXX credit account on XX/XX/2017 and was approved for a credit line of {$400.00}. Shortly after, and without notice, my credit line was rescinded by the creditor, XXXX XXXX ( DBA XXXX XXXX XXXX ). However, they still allowed me to pay back the amount used ti purchase the air fare, which was {$270.00}. 
I have paid the balance in full but noticed my XXXX credit account has NOT been reported to the credit bureaus.
Consumer complaint received 2024-04-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

The consumer agencies known as XXXX, XXXX, & Equifax are inaccurately reporting the account XXXX XXXX. The account has several inconsistencies listed within the account. 

Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$3500.00} {$0.00} {$3500.00} Credit Limit : {$2900.00} {$2900.00} {$0.00} Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2018-05-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (GA)

Diversied Consultants has been in accurately and unfairly reporting an account which they claim I owe {$410.00} since XX/XX/XXXX. I attempted to resolve this matter by sending a letter via certied mail USPS ( XXXX ). The letter was received on XX/XX/XXXX, I requested validation, competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Diversied Consultants failed to provide validation. In their response they provided an itemized document ( bill print out ). As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verication. Due to their Negligent Willfulness of Identity Fraud and  Diversied Consultants dismissive response, my next course of action will be legal. 

Not only are there numerous errors in Diversified Consultants reporting, conflicts of vital information exist in each of my individual credit reports. 

Laws I can potentially le suit for : 1 ) FCRA Section 623 2 ) US Court of Appeals, XXXX Circuit, No.XXXX, XXXX vs. XXXX XXXX 3 ) FCRA Section 605 ( c ) 4 ) FDCPA Section 809 ( b ) FTC  opinion letter Cass from XXXX 5 ) Metro 2 Compliance FCRA rules allow for up to {$1000.00} per violation. First Communities will also be liable for any court fees.
Consumer complaint received 2021-03-08
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (WA)

Domestic Wire Transfer was requested on XX/XX/2020 at XXXX ( PST ). On the same day, I issued 2 additional wire transfer request with 2 different banks other than American Express National Banks. All the other banks guarantee a same day delivery for domestic wire. Only American Express told me it would take them 3 days to send a domestic wire. 3 days!!!! I called customer services later to check on the status 3 hours after the request, and customer services representative told me all they know is that the wire is still in process and there is nothing else they can know. Additionally, i asked if it is possible to add a message to expedite that as it will delay my escrow closing process. They also responded, there is nothing they could do. Lastly, I requested a formal response for my complaints, and they told me they could not guarantee that either.
Consumer complaint received 2018-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Accelerated Financial Solutions, LLC (TX)

Tried contacting Accelerating Financial. They are reporting the same account twice, same account same amount to all 3 bureaus. I have contacted them to have this fixed and they have not fixed it. this is hurting my FICO.
Consumer complaint received 2022-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have reached out by email requesting them to remove my info as well as not provide my personal information to trans union and XXXX. As they did not notify me of them providing my info to those two credit Bureaus. I do not consent for them to share my personal information. Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX. 
To Whom It May Concern : I previously wrote you to investigate and verify a bankruptcy listed on my credit report and I received a response that the bankruptcy was verified with the XXXX court. 
I contacted the courthouse to verify their information release policy. The court informed me that they do not provide anyone with a debtors full social security number and they do not provide ANY credit bureau ANY information about ANY bankruptcy cases. I have included a copy of the response from the courthouse for your reference. 
It is quite clear that someone from ( Transunion ) .lied about verifying this XXXX with the courthouses as they verified with XXXX XXXX XXXXThat is a violation of the Fair Credit Reporting Act ( FCRA ). 
As you know, it is also a violation of the FCRA to report inaccurate or unverifiable information on a credit report. Thus, I demand that you IMMEDIATELY REMOVE the following XXXX  from my credit report : XXXX XXXX XXXX  Docket # XXXX Please respond to me in writing once this removal has been completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-10-13
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK (IL)

I was charged {$4.00} for the last 3 months for a service fee totalling {$12.00}. 
A letter from TCF bank stated that as of XX/XX/2019 a {$10.00} fee will be charged for accounts with no activity for 365 days or less than {$250.00} in the account. I opened an account on XXXX {$50.00}. Ther has been no activity since, now the account is {$12.00} short. Their terms and conditions state they may charge a fee but never notified me of a fee process except for the letter mentioned above which is not binding until XXXXThier 10 page fee schedule does not state any exact maintenance fee schedule. I believe this is an inproper business practice using a 36 page T & C booklet and a 10 page fee booklet without specifically showing a fee.
Consumer complaint received 2019-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARC Management Group, LLC (TX)

This was debit that was taking care of by insurance. And this was 4 years. I give them the insurance more than once. It not my fault that they put the infomation in correct.and am not paying for this debit twice.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I made a payment to Capital One to XXXX out a balance on account I was closing because of fraudulent charges caused by a Capital One data breach. 

Capital One " lost '' a check for {$170.00} and instructed me to stop payment and send another payment, which I did. 

The second payment of {$170.00} cleared my bank and created a XXXX balance. 

After that, Capital One " found '' the first check and tried to deposit it. But it was rejected by my bank ( because the payment had been made already ). 

Now, Capital One claims that because the duplicate payment is stopped I still have a balance due. But the balance due is XXXX. 

I just spent 30 minutes on the phone trying to resolve this with XXXX ( XXXX ), and she was unable to resolve the issue. 

The bottom line is that Capital One is now trying to collect funds it is not owed. 

I want to file a formal complaint against them. This bank is unprofessional and dishonest.
Consumer complaint received 2018-05-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am in the process of building a legal case for intentional, reckless, malicious and willful violations of the FCRA as well as defamation from TransUnion, A copy of this dispute will be used as evidence if needed. The following information is being reported inaccurately, falsely and unfairly by TransUnion. XXXX XXXXXXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXX XXXX XXXX # XXXX ... XXXX XXXXXXXX XXXX XXXX # XXXX ... I don't ever recall paying any of these accounts late/after the due date. 
On XX/XX/XXXX, I complained to the Consumer Financial Protection Bureau about the intentional and reckless actions of TransUnion with regards to these accounts. I provided them proof of the inaccurate credit reporting. In their response to this complaint, TransUnion stated that they would reinvestigate and respond to me within 30 days. They did not reinvestigate or respond back to me within the 30 day time frame according to the FCRA. Attached you will find copies of their response to the CFPB complaint. In addition, TransUnion did not provide the name of the person who responded to the CFPB complaint. There is no accountability. This is unacceptable. 

On XX/XX/XXXX, I once again wrote TransUnion directly and once again provided them with additional information proving the inaccuracies with the XXXX XXXX XXXX XXXX listings. Once again they did not reinvestigate or send me results of the dispute within the 30 day FCRA time frame. Attached you will find copies of the letter and the proof that TransUnion received the dispute. 

A copy of this complaint as well as past CFPB complaints on TransUnion is going to the FTC, Illinois Attorney General, New York Attorney General, XXXX XXXX XXXX and my legal counsel.