davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-22
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. (FL)

I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form XXXX receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I sent all three credit bureaus to delete these old/ wrong addresses from my credit reports XXXX XXXX XXXX XXXX , VA XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , Wisconsin XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX Illinois XXXX It has been well over 90 days since I sent the certified letters to the bureaus and they still have yet to respond or delete these addresses. This violates the fcra laws that protect consumers rights to.have accurate reporting and the bureaus are suppose to respond in a timely manner and they haven't
Consumer complaint received 2022-03-22
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. (NJ)

I have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Experian Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX  XXXX
Consumer complaint received 2022-03-22
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-02-05
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. (UT)

Affirm # XXXX is reporting a collection account that I should not owe to my credit. This was for a set of furniture I never received and now they are trying to collect on it. I do not owe this, I never received the furniture this was for and I should not owe money on something I did not get. This needs to be deleted off of my credit.
Consumer complaint received 2022-03-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (MD)

My property taxes are delinquent because Mr. Cooper has failed to make my property tax payments. I alerted them immediately once I received a late notice from my county in mid XXXX. It is now late XXXX and my property taxes have still not been paid and two late penalties have been added to the amount and the county is threatening to put my property up for tax sale in two weeks ( on XX/XX/XXXX ). I have all the money just sitting in my escrow account that I can not make the payment myself. They finally sent me an email saying they made the payment on XX/XX/XXXX and they took the money from my escrow account, but I kept checking my countys website and they did not receive the payment. I contact Mr. Cooper again and they said they JUST sent it overnight via XXXX on XXXX XXXXhe day I reminded them about it. Its now XX/XX/XXXX and I checked the tracking number and it still says pending even though it was supposed to be sent overnight on the XXXX and they took my money out on the XXXX. Now, theres less than 2 weeks left before my property goes up for tax sale.
Consumer complaint received 2022-03-22
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. (FL)

I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form 3800 receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.
Consumer complaint received 2018-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Equifax reported a hard inquiry to my credit/file, made from XXXX XXXX-OH,  on XX/XX/XXXX18. I had not done this inquiry so I disputed this inquiry with equifax and XXXX XXXX. XXXX XXXX stated they had not ran my credit/ did not send inquiry, their system showed they never ran anything for me and show nothing. I contacted equifax, and was told the only thing that could be done is for me to call XXXX and have them take care of it to get it reversed. So now, I have XXXX XXXX stating my credit was never ran and equifax applying a hard inquiry to my credit that I never did, XXXX XXXX states they didnt do and I am just stuck with a fraudulent hard inquiry.
Consumer complaint received 2018-12-27
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. (TX)

I pulled my credit Report this morning, and there are several inquiries that do not belong to me. Please remove these unauthorized inquiries from my report. 

EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX DBA XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXXXXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry :  XXXX XXXX, XXXX XXXX XXXX DBA XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX - XXXX XXXXInquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2019-09-16
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: JPMORGAN CHASE & CO. (HI)

I've written an entire blog post about this. I have all the details, receipts, and medical paperwork described in the blog post in the link below. 

XXXX XXXX XXXX ( please copy and paste the above link into a browser if it does not show up as a clickable link ) -- Contact me anytime. 
XXXX XXXX ( cell )
Consumer complaint received 2022-07-12
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: EQUIFAX, INC. (MS)

I have issues with my Equifax credit report. When Im applying for loans, the creditors cant access my Credit profile. The error message either mismatch personal information or credit profile dont exist. Also, when I tried XXXX and XXXX same message. I been having this problem since XX/XX/2022. I call Equifax several times but still cant get the issue resolve. I dont have a Fraud Alert or Security Freeze, so this is an internal issue. I have several credit monitoring services and my Equifax last update was XX/XX/2022, and this when the error started happening. I dont know if I have 2 profile or do I need to create a new profile on Myequifax.com
Consumer complaint received 2022-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX, TransUnion, XXXX were sent certified letters notifying them of inaccurate information in credit report such as inquires, debt validation and outstanding information pass the 6-7 year mark to remove information according to the FFCRA. I spoke to a representative and they refuse to remove inaccurate inquires on credit file. The reporting agencies has not verify any of these inquires showing any proof that I have sign or authorized as such. I ask that any items 7 plus years get removed, any addresses and phone numbers that is not associated with me to be removed as well. My credit file is locked and is still accessible.
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (FL)

This is compliant is being file against TD bank N.A.. the dispute case ID # XXXX bank name is TD BANK NA. ABA XXXX ACOUNT XXXX. this report is being put out by early warning service XXXX XXXX XXXX AZ XXXX this inaccuracy that being file against me. I have contact the TD, bank recover division there is no neg information are my account they could not find any. I have ask this bank about me and my bank account. i talk a recover office at td bank to day and he stated that the account is in good standing with TD bank go back 20 year ago. a research was conduct. that official could not find any neg information about this account there is no money old to the bank for overdraw status. he also stated that he could not see anything neg about my credit card or personal check and with no abuse TD, bank needed to correct this bad information. I have contact XXXX XXXX XXXX XXXX and TD bank NA. both today.
Consumer complaint received 2022-04-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (GA)

SEND TO ME EVERY DOCUMENT PERTAINING TO THE ACCOUNTS BELOW THAT YOUR AGENCY USED TO VALIDATE THE DEBT. 

Provide me a copy of when I sent a written permissible purpose to validate the alleged debt. Please provide a audit trail for the alleged debt. 

If every piece of documentation can not be provided the account must be removed from my credit report immediately.
Consumer complaint received 2019-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XX/XX/XXXX two checks were presented against my checking account. I did not have enough funds to cover the second one ( it was in my other BoA checking account ). BoA did not pay the check and charged a {$35.00} fee when batching occurred at midnight. At XXXX our Direct deposit funds were put in the account. The problem and my complaint is that when I tried to rectify and pay our vendor today ( since the check bounced ) BoA in addition to not paying the check, charging me a fee ( both of which i don't dispute ) they still took the full amount of the check out of my account and said they will not be returned until Saturday XX/XX/XXXX which leaves me with no way to pay our vendor. If you decide not to pay a check and charge of fee for insufficient funds - you can't then also take the full amount? Then at XXXX on XX/XX/XXXX I got an email from BoA notifying me of the overdrawn account and to deposit funds so that items don't bounce ( but obviously that is not helpful nor true as you already haven't paid the check and charged a fee ). This resulted in me not being able to pay our vendor today as you have taken the funds even though you haven't paid the check - i don't think this is fair, you can not pay the check or you can take the funds and pay the check but you can't take the funds and not pay the check!
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Name : XXXX XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (MS)

Please refer to complaint number XXXX. On XX/XX/23 I sent Regional finance another letter requesting proof of the alleged debt. I have not received any proof. I have received information from the corporation through the CFPB in which they provided a copy of a contract that proves I participated in a consumer credit transaction that somehow turned into a loan. The corporation stated that they can not provide me with any account history but yet the law says otherwise. Federal Law. The corporation continues to furnish my financial information without my permission and it still has not provided any proof that I gave them my permission to do so. Attached are several documents showing proof. Regional finance is in violation of the TILA, FDCPA, FCRA, and GLBA.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (MA)

I paid/settled one of my collections on my credit report. I spoke with EOS and they said it would update with the XXXX. My XXXX has updated paid in the comments but still shows it as a active account on my credit report and not a closed one. I called EOS and explained that they updated I paid it but it still doesnt show a XXXX  balance with XXXX and is showing it still is a open account with them. I was told XXXX will update. I spoke with XXXX and disputed with them that it should show on my report as a closed account. They filed a dispute with EOS and I was told by XXXX that EOS states it validated and therefore they can not list it as a closed account. So my score is benign effect because it thinks I still have a open/active collection account. When I look at my XXXX account I see EOS but on that report it shows it was closed out as paid. I dont know how to get EOS or XXXX  to update my report with XXXX?
Consumer complaint received 2021-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION (TX)

I am filing this complaint in accordance with The Truth in Savings Act ( TISA ) per the FDIC when a deposit is made from a government check or in this case a wire transfer Access to checking account funds. When funds are deposited into your checking account, there are rules and regulations that impact when you can access those funds. In general, funds are not immediately available but are available sooner if the deposit is cash, a cashiers check, or a government check. The holding of my fund is further causing undue hardship. I am racking up fees for returned checks because of the accessive hold on funds. I have assessed a fee where the bank failed to disclose upfront fees for XXXX. In accordance with The Electronic Fund Transfer Act ( EFTA ), I expect that the hold of the fund will be released. This is ridiculous per XXXX the representative there will be a hold on the funds because the loan wasn't originated with BBVA Compass bank. That isn't fair. I expect a resolution.
Consumer complaint received 2018-08-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRSTBANK (AZ)

I have NO knowledge of this Bank /debt. 
I have NOT opened this account. 

XXXX XXXX/Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX   Account Type Line of Credit Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$210.00} Highest Balance {$210.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor
Consumer complaint received 2021-07-20
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. (PA)

I previously submitted a complete Identity theft report # XXXX and XXXX, Equifax and XXXX have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.
Consumer complaint received 2021-07-20
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. (PA)

I previously submitted a complete Identity theft report # XXXX and XXXX, XXXX and Transunion have not done their due diligence in removing the fraudulent items. I am attaching a new Identity theft report with my complaint. Under the FCRA the credit bureaus are obligated to report accurate, and valid information. Verified information is not always accurate. If someone has your identity they can easily verify that.