davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-08
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

My original loan from XXXX XXXX XXXX loan XXXX is XXXX and I had paid the prepaid finance charge it was on XX/XX/XXXX. On a bill dated XX/XX/XXXX it has the original principal as XXXX and only 5 % of my payment going to the principle but The prepaid finance charge was already paid up until XXXX when my original repayment should have begun. They tricked me into paying as soon as I got a loan saying It was the option I selected. I stated i verbally asked for deferred and they said I signed the loan documents, not those ones I didnt. I paid on loan ending in XXXX up until XXXX, giving them over {$5000.00} in 5 years of payments. This more than covered the original loan and since it didnt take me 20 years to pay back my finance charge would be considerable less but they say no refunds on that, but thats 95 % of my monthly payment and there is no penalty for paying off a loan early considering I did it before I was out of school and any interest should have been occurring. The other two loans I was explained where two separate accounts of XXXX, one for the principal and one for interest. I didnt have three separate loans from them. So a account number ending in XXXX is loan XXXX broken up not 3 independent loans, now my dad didnt know I was paying on this loan while in school and was told I didnt pay anything and he gave them XXXX, XXXX and XXXX as he paid as requested in the settlement opportunity. So my account is closed that means the negative balance of XXXX totaling {$14000.00} is owed to bring loan XXXX to a XXXX balance, and status needs to reflect paid in full and paid off early for loan payment XXXX and that account covers the sub accounts and they should have never been added as separate accounts as my payments paid the loan off.
Consumer complaint received 2023-03-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to the 15 USC 1681i ( 5 ) The credit bureaus said everything was complete and accurate but the reporting dates are wrong each account has been closed due to fraud.

In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account # XXXX XXXX XXXX XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXXXXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXXXXXX XXXX XXXX # XXXX OPEN XX/XX/XXXX CLOSED XXXX XXXX ACT # XXXX OPEN XX/XX/XXXX CLOSED BY COURT ORDER SETTLMENT 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.

15 U.S.C 16 In accordance with the Fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I discovered fraudulent activity on this account on my Home Depot account in the amount of {$22000.00} the balance on this account should be one thousand or less. I reviewed my statements from XX/XX/XXXX to XX/XX/XXXX and fraudulent activity starting from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-02-07
Product: Credit reporting 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)

I requested for the following inquiries to be removed form my account which either I do not recognize or have any open accounts associated with. They were removed from one bureau but still persist on my XXXX and experian reports. Please remove this inaccurate information immediately.
Consumer complaint received 2022-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION (NM)

Received an email from truist bank stating my account ending in XXXX has been activated. I have never heard of this bank. It is listed under my maiden name XXXX XXXX. My social security number is attached to this account. I have tried contacting the bank and have been hung up on every single time.
Consumer complaint received 2018-11-05
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. (OH)

To whom this may concern, I was reviewing my credit report and discovered it contained some errors pertaining to the following " Personal Information ''. I am requesting that you promptly update and removed and delete the following inquiries off my report. 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, XXXXXXXX XXXX XXXX via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX via XXXX XXXX XXXX, XXXX XXXX XXXX. I need these removed I have not applied for any of the above
Consumer complaint received 2018-11-05
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: EQUIFAX, INC. (LA)

I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX XXXX XXXX ) Section ( 609 ) of  the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect  consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Consumer complaint received 2021-12-09
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (FL)

My car was totaled in an accident ( not my fault ) in XXXX of 2021. My XXXX XXXX XXXX paid XXXX XXXX in full plus {$2000.00} extra. XXXX XXXX will not settle this account despite taking the money. My mortgage applications are being denied because my credit report still shows I have this car ( and now 2 car payments ). I have begged and pleaded for 4 months and NOBODY not even supervisors are able to say why they will not close out this account and stop billing me for a monthly car payment.
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (MI)

I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX  conversations. 


They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX. 


They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (FL)

I had an internet account with XXXX ( now XXXX ) upon moving into my new apartment back in XX/XX/XXXX. Upon my roommate vacating the apartment in XX/XX/XXXX, he returned the equipment and verified there was a {$0.00} balance on the account. A few months later around XX/XX/XXXX I checked my credit report to see a collection in the amount of {$200.00} from Waypoint Resource Group representing the creditor XXXX XXXX XXXX that was opened XX/XX/XXXX. Waypoint never contacted me about this collection at all and the only reason I knew about it was by checking my credit score. I have tried to dispute this fraudulent collection with XXXX XXXX to no avail. I have also contacted XXXX between the dates of XX/XX/XXXX-XX/XX/XXXX in regards to the account and they have repeatedly stated that they see a {$0.00} balance on the account and the account was never sent to collections. Because of this fraudulent collection being placed on my credit, my credit score has plummeted at least 50 points on both my XXXX and XXXX credit reports.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (KY)

Selene Finance regularly holds my checks for up to 10 days before applying them to my account. My bank, XXXX, mails my checks to Selene to arrive on the XX/XX/XXXX of every month. They claim they don't receive them on the XX/XX/XXXX and that they process them when they arrive. I have been using XXXX for over a decade and all other checks arrive on time. I can not imagine a situation where all of my checks always arrive a week late  only to Selene. I've spoken to customer service about this situation and they claim the checks are processed the day they arrive. This company steals a week or more worth of interest from me every month. 

My bank mailed my XX/XX/XXXX payment to arrive on XX/XX/XXXX. They claim it didn't arrive until XX/XX/XXXX or XX/XX/XXXX depending on which report you look at. My XX/XX/XXXX payment was mailed to arrive on XX/XX/XXXX. They claim they still have not received it. Attached are notifications from the bank showing the dates.
Consumer complaint received 2018-11-05
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)

On XX/XX/XXXX, I had paid an account to XXXX XXXX in full and on time. It was in error that I was reported 30 Days late. I was given a letter from XXXX XXXX, the VP of the company stating this. I sent the letter to Experian. Experian will not take the late reporting off of my credit after several attempts to do so.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (KY)

On XX/XX/XXXX I made a payment of {$20000.00} on my mortgage. Clearly written on the check was " Extra to principal ''. This should have resulted in {$890.00} for the XX/XX/XXXX payment, and a {$19000.00} principal payment. Selene Finance did not do that. They took the XX/XX/XXXX payment, then took a XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payment, each at {$890.00}, then applied {$16000.00} to the principal. I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they say the issue will be fixed, but have yet to fix it. My requests to speak to someone else have been denied. I keep speaking to the same " manager ''  who tells me it will be fixed, but refuses to tell me when or provide me with the name and number of someone who can fix the problem.
Consumer complaint received 2018-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number: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 an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (AZ)

This is a time barred debt and is beyond the statute. This company refuses to remove it from my credit bureaus but it is now over 6 years old and was opened in XXXX. I gave evidence of same and they continue to state it was opened in XXXX which is incorrect. It needs to be removed from my credit bureaus and they need to cease collection activity as I am unemployed due to no fault of my own. I also have a XXXX.
Consumer complaint received 2018-11-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

I got a phone from XXXX, as previously mentioned in numerous complaints through the BBB, XXXX themselves, and XXXX XXXX. I got a new phone and a speaker at the time of the contract. I was unable to pay. Later, I paid the phone off, to switch providers. To this day, I get mail from CONVERGENT and XXXX stating I owe them XXXX. 

XXXX can check their own system to show the phone is paid off. I don't owe them anything. 

Due to their negligence, seditious acts, and the like, I currently do not own a cell phone AT ALL, because each time I activate a new phone I get 3-4 bills from XXXX, XXXX, and most recently XXXX XXXX XXXX attempting to get me to pay for old services that have been paid off. I refuse to continue to purchase services, only to be hit over the head with a new bill about old services I've already paid.
Consumer complaint received 2018-11-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

Spoke with customer service rep XXXX XXXX as well as Fraud Supervisor XXXX XXXX on XX/XX/XXXX in reference to the release of my XXXX deposit made in XX/XX/XXXX. Went into XXXX branch location early XX/XX/XXXX spoke with branch manager who contacted fraud unit for release of funds who stated funds would be released as of XX/XX/XXXX that investigation of funds reclaim would be finalized and that if no party put claim on funds by that time they would be released. As of XX/XX/XXXX I have yet to receive my XXXX i was told today by XXXX XXXX that my i can call back XX/XX/XXXX to check status of investigation. My issue is they ( SunTrust ) has held my funds for over a year and still refuse to release my funds pending some bull investigation which they've had a year to complete. My account was in my name the checks deposited although multiply checks for same amount was from same company was also in my name, SunTrust even conversed with issuing company who also verified checks were issued to me and that they would not be reclaiming funds. So as of now and then SunTrust has illegally held onto my funds and refuse to release under the only valid reason is theyre waiting to see if my funds are reclaimed by Another party. Please help my hands are tied I have no other options available to get assistance in receiving help to get my funds released.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

Investigation took well over 90 days and i still have not gotten a response back for these accounts. 

1 ) XXXX XXXX ACCOUNT # XXXX 2 ) XXXX XXXX XXXX XXXX - ACCOUNT # XXXX 3 ) XXXX XXXX XXXX ACCOUNT # XXXXXXXX
Consumer complaint received 2018-11-05
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. (TX)

Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

XXXX customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.