davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is reponse to an initial complaint, company has stated it will follow up within 60 days but it has already been 76 day since my initial request. 

It is very important that this information on my report is corrected immediately. it has been 76 days since my initial investigation request. According the law investigation take up to 30days. Due to this delay Ive been rejected housing and will pursue legal action for my compensation. 

I regret that I will have to take such action.
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MN)

It is over 50Days that i disputed some items on my report as reported by your reporting Agency. i still do not have a response or report of investigation. 
- Incorrect name - Misleading Also Known As Name - Incorrect and Misleading Current Address - Misleading Previous Address. 
All the above and many more Unverified accounts that were not investigated or deleted if it was not investigated. It is obvious that i am taken for granted and they are taking advantage of the situation and they are depriving me of my right to dispute. The report has caused me great distress and XXXX. 
According Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Consumer complaint received 2020-02-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Transunion has not responded to my validation request made on XX/XX/2019. As of today XX/XX/XXXX the is in Violation. 

Please see attached of credit summary reflecting : ( XXXX XXXX  ) a unknown Account. 

XXXX XXXX- is the original creditor of which has not responded to my validation request. Of which includes : paperwork, proof of account ownership, date of last activity, recalculate of amount they claim I owe ; signature pages of contract as required by law. 

XXXX XXXX has not responded, a violation
Consumer complaint received 2022-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-04-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A. (MD)

On XX/XX/XXXX, I utilized my debit card for several purchases. At the beginning of the day I had {$180.00} in my account of available funds. On XX/XX/XXXX, I utilized {$180.00} in funds which did take me to a negative balance of $ XXXX which I agree to 1 overdraft fee in this case. However, I also had a chiropracter appointment which was sitting in my pending withdraws for {$40.00} which still has not posted today on the XX/XX/XXXX. Because the account is holding those funds they are also overdrafting me for another {$36.00} for a charge that is not posted yet. On top of this, my direct deposit is pending as well for over {$1500.00} between both of my accounts. I do not see how a bank can charge me for an additional overdraft fee when their system has the withdraw still pending and not posted to the account yet. This seem like a scam to get easy money from clients. I tried calling the bank to work this out but because of a dispute earlier in the year which caused due to an unauthorized withdraw which the investigation was in my favor and two other refunds within a 12 month rolling period due to the same situation I am facing today, they will not refund any further funds. Again if the funds are pending withdraw but not posted, how can a bank charge me for this when a deposit is also pending for the same day. I agree to one overdraft charge but not two of them.
Consumer complaint received 2022-07-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Avant Holding Company, Inc. (SC)

Through the XXXX website, I applied for a loan with Avant. The offer on the website said I was pre-approved for {$35000.00}. Their website claims that the loans are processed within 24 hours. I submitted all the necessary documentation and they pulled a hard credit check on me. And then nothing. I called customer support and they read me the same speech. 

I asked multiple times if I submitted all the proper documentation. I was told that I had. The speech always included that they try to approve within 24 hours. My file was being reviewed. 

I applied on Friday, XX/XX/2022. It is now Thursday, XX/XX/2022. Because of their unfair and deceptive practices, I am no longer eligible for the other loan offer with another company. Their hard credit pull hurt my credit rating. It has been an humiliating experience. Their actions have been detrimental to my finances. I consider their actions abusive. 

If I wasn't really pre-approved, they should have just told me. We should not be almost a week out and I still do not have an answer.
Consumer complaint received 2022-07-21
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. (NJ)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX Dear CFPB, In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 
I didn't give permission to these accounts to publish my information to TransUnion, XXXX and XXXX. 

The accounts are below : XXXX XXXX XXXX Account number : XXXX XXXX  XXXX : Account number : XXXX Account number : XXXX XXXX XXXX : Account number : XXXX Thank you,
Consumer complaint received 2022-06-14
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: Experian Information Solutions Inc. (FL)

To whom it may concern : I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. 



XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX
Consumer complaint received 2019-03-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Management Control, Inc. (WI)

I was being garnished for a total of {$6300.00}. That amount has been paid in full. 

I am still being garnished per Credit Management Control. They told me I had unpaid interest. Interest was already included in the {$6300.00}. 

I asked for documentaion to support the new amount of {$1800.00} they say I owe. They sent me the same Case # document but now have different numbers. 

I asked Credit Management Control back in XX/XX/XXXX they said our balance was {$2800.00} & in XX/XX/2018 they said our balance was {$1600.00}. I have exceeded that amount to date XXXX. There was never any indication or documents that there was more interest they wanted to garnish. 

I have months of e-mails with XXXX XXXX at Credit Management trying to settle this bill since I have paid way more than the {$6300.00} that was owed on the garnishment. 

To date I have been garnished {$7800.00}. I paid {$1400.00} over the amount I was to be garnished- {$6300.00}. 

XXXX XXXX-Credit Management Control said I owed {$1800.00}. 
XXXX XXXX-Credit Management Control said the balance is {$1700.00}. 

I don't know how I'm still being garnished & why there is never documentation that supports all these different balances Credit Management Control keeps sending me.
Consumer complaint received 2018-10-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (FL)

I was charged {$450.00} by XXXX XXXX. This account has been paid off. I contacted XXXX XXXX  4 to 5 times to send me a description of the debt in writing and they have failed to do so. This is still on my XXXX credit report and I would like it removed.
Consumer complaint received 2019-03-19
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)

I submitted a dispute via Experian against 4 accounts with a company be the name of XXXX on my credit report. The dispute reason being I was no 60 days past due on two of the accounts and that two accounts have been paid off completely. I paid the accounts off in full before the reporting cycle for XXXX, I also was not 30 days past due in XXXX for two of the accounts they were paid before the due date for the month yet still reported as late. Experian gave me the results of the dispute as verified accurate. This is false and is leaving inaccurate information on my report. I would expect that Experian has to only allow accurate information on the reports. Experian failed at making sure and verifying the information was accurate. They should have paid the company verify exactly when payments were made and when were the payments due. This would have given them the information to know that XXXX was not accurately reporting my accounts. Also they have two accounts currently showing balances that were actually paid in full before XXXX reported to Experian. This was not verified yet Experian allows it to remain inaccurately on my report.
Consumer complaint received 2022-06-14
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: RentDebt Automated Collections, LLC (TX)

In accordance with the Fair Credit Reporting act RENTDEBT AUTOMATED COL 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 2022-06-14
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: ALLY FINANCIAL INC. (TX)

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 2018-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I received a 30 day to collections letter from Amsher in XXXX about an alleged debt that is not mines. I sent them a letter requesting verification of debt. XX/XX/XXXX I received a copy of a bill as their response to my request for verification according to the Fair Debt Collection Practices Act. Their response was a bill, which does not constitute a form of verification that the debt belongs to me. I immediately responded within 3 days of receiving that bill ( XX/XX/XXXX ) that the unknown debt is not mines and sent a certified letter that was delivered and signed for on XX/XX/XXXX requesting that they verify the debt as per the Fair Debt Collections Practices Act. They never responded afterwards or sent any validation that is competent bearing my signature or any evidence that I had any contractual obligation to pay. Today ( XX/XX/XXXX ) I received a credit monitoring alert that a new collection account from Amsher was added to my report. This has to be illegal and a violation of the Fair Debt Collections Practices Act. This needs to be removed immediately.
Consumer complaint received 2017-09-19
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. (NY)

I am submitting this complaint about equifax credit reporting agency. Today after reviewing on XXXX XXXX it shows equifax removed 2 accounts that are in excellent standing from my credit report. The first one is XXXX XXXX the 2nd one is XXXX XXXX XXXX XXXX. These accounts should have never been removed from my credit report. I have contacted XXXX XXXX and XXXX 's card and requested they report to the 3 credit reporting agency 's I was told that they do report each month. Equifax should have never deleted these two accounts off my credit report. These accounts are a positive factor on my credit score. Now due to them removing these accounts my credit score went down. I am submitting this complaint about equifax because they should have never done this without my consent.
Consumer complaint received 2021-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (AK)

On XX/XX/2021 Specialized Loan Servicing LLC reported a {$10000.00} dollar increase in my mortgage balance. My billing statement states my mortgage balance is {$110000.00} and they are reporting the balance as {$130000.00}. This is the fourth time they have reported an increase in my mortgage balance while I have been on a forbearance plan with them. Each time I dispute the increase, they correct the balance back to the stated balance on my billing statement and then state they are providing accurate information. They also state they are adding the missed payments to my mortgage balance which would imply that I am liable for the payment twice, once under the existing mortgage balance and again by them adding the missed payment amount to the mortgage balance. They then report the increased balance to the credit bureaus even though I am on a forbearance plan with them and the Cares Act makes it illegal to do so.
Consumer complaint received 2020-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

I just received this following report from my credit monitoring service from XXXX XXXX XXXX ( XXXX ) sent to Equifax : Questions? Need advice? 
Flag this alert and call us. Were available 24 hours per day, 7 days a week. 

CLEAR ALERT FLAG ALERT DATE : XX/XX/XXXX ACCOUNT : XXXX  - XXXX XXXX Alert Details ACTIVITY TYPE : Account Change NUMBER : xxxxxxxxx XXXX STATUS : Not more than 2 payments past due BALANCE : USD {$40000.00} ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, DE, XXXX PHONE : ( XXXX ) XXXX This is an alleged HELOC that was closed on XX/XX/XXXX when my home was ILLEGALLY Foreclosed on in an Illegal Opposed Auction on that date and yet this FALSE report shows this alleged account to be still open. It was closed upon the above dated auction!!! This company XXXX XXXX XXXX   ( XXXX ) needs to report this account to credit reporting as CLOSED UPON FORECLOSURE ON XX/XX/XXXX!!
Consumer complaint received 2018-04-26
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (FL)

For over a year I have been trying to get Wells Fargo Dealer Services ( WFDS ) to report my car loan to XXXX. I was having problems getting a resolution with the main customer service center and I was then referred to the Office of the President to have my issue resolved. My issue was then resolved back in XX/XX/2018. XXXX has been experiencing security breeches so I constantly stay abreast of my report. I noticed once again that my car loan through Wells Fargo Dealer Services ( WFDS ) was removed again. I called to get it resolved and was told to get a copy of my report directly from XXXX to confirm. I called XXXX  and they confirmed it is not on my report and I also received my report from them which was 83 pages. Indeed it is not on my report. I was told by WFDS to send a copy of the report so they can verify that it is not there. I did not feel comfortable sending my report and asked for another way. I was told there is no other way. This seems unreasonable. If they have a direct contact with XXXX I'd rather them utilize it rather than harassing me for my credit report. This is keeping my score from increasing. I keep getting bounced from person to person at WFDS and even though I ask for a supervisor I dont get one. I was only able to leave a message one time for a supervisor and that person never called me back.
Consumer complaint received 2021-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NC)

I voluntarily surrendered my vehicle to the company around XXXX XXXX after a couple of months I found out that the vehicle was sold but the company sent me a remaining balance. However, instead of giving me time to pay this balance, they reported the account as charged off when it should at least still be opened until I pay the agreed amount.
Consumer complaint received 2018-10-17
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: Experian Information Solutions Inc. (MN)

" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

Companys are misusing my credit report without my consent I believe they r stealing my information and selling to others I need theses items dispute and remove totally off my credit report under false information without any proof provided by me thats was unauthorized by me Like inquirys and any debt collections 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 2022-07-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I sent Medical Data systems a request to cease communications and to provide me with the documentary evidence that I owe the alleged debt listed on my consumer reports and they never responded OR ceased communications and are still illegally reporting the debt. The FDCPA states that the word communication means " the conveying of information regarding a debt directly or indirectly to pay person through any medium ''. This means when I said to cease communication, that meant relaying this alleged debt to the consumer reporting agencies as well. 

Please also note that they are REQUIRED under the FDCPA to remove ALL accounts if they are not able to provide the verification or judgement pursuant to 15 USC 1692g.