davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2019-01-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

On XX/XX/19 I submitted a dispute claim with Experian, due to an {$1100.00} electric bill was run up by someone using my SSN, being found to be a fraud account, and removed by XXXX XXXX and XXXX from my credit report. On XX/XX/19, Experian emailed me that the invesigation was finished, and results were available. Experian states that they have more information about the account, and will not remove it from my report with them, even though the collection agency signed off on it. I find this to be reprehensible that a company gets evidence in my favor, yet will not take the same action as the other agencies. I have had nothing but problems with Experian over the last 5 years, plus they want to charge me money to see my credit score, which to me, is throwing salt in an open wound. I am a veteran trying to clear my credit up to use my VA Loan Guaranty to buy a house, and I get abused by this greedy company. I'm tired of these credit companies having too much power, and XXXX on us veterans by artificially keeping our credit scores low.
Consumer complaint received 2018-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Today XX/XX/2018 a flyer was left in my gate wich said to call this phone number- XXXX. The phone recording says is Bank of America and ask for the social security number. There are other complains about this and I think it is a scam to steal identity. My ring cameras recorded the car and the person that left the flyer I have the video.
Consumer complaint received 2022-07-08
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. (NY)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XX/XX/XXXXAccount # XXXX,XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXXr Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX has violated my rights XXXX 

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2018-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

In XX/XX/XXXX I sent a letter to XXXX XXXX requesting that they Validate NOT verify a debt that they are attempting to collect from me. Not because I was notified of any debt but because I saw it on my credit report however, I never received a response. As a result, I disputed the account with all three credit bureaus several times might I add, and each time I received a response of account verified as accurate and/or " meets requirement of the fair credit reporting act '' with no supporting documents. This was found not to be true when I finally received a letter from XXXX XXXX with a billing statement attached in XX/XX/XXXX stating debt is valid, attached is verification of the debt ''. A billing statement does not prove that this is my account/debt nor I am obligated to pay them. In addition to that I walked inside of a XXXX store and asked would they be able to provide me with a signed copy of an original contract and was told no they could not. I would have to contact the creditor on my credit report and they could not provide me with any proof that no such account did or did not exist or of my inquiry. XXXX XXXX is reporting delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-08-18
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. (CA)

Transunion has placed incorrect inquiries on my credit report history. When I reached out to Transunion they would not comply to remove incorrect information. 

# 1 XXXX XXXX XXXX dated XX/XX/17 # 2 XXXX XXXX from XX/XX/17 # 3 XXXX XXXX XXXX XX/XX/17 Transunion is unwilling to correct false information that is negatively affecting my credit history. Please provide assistance. Thank you
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TO WHOM THIS MAY CONCERN I AM A VICTIM OF ID THEFT, I PREVIOUSLY DISPUTED THIS ACCOUNT OF MY REPORT, THE PREVIOUS AMOUNT WAS WRONG IT WAS {$18000.00} NOW YOU GUYS HAVE UPDATE IT TO BE {$5400.00} INSTEAD OF REMOVING IT, IT WAS CLAIMED TO BE VERIFIED THEREFORE. I am invoking the Fair Credit Reporting Act Section 611 ( FCRA 611 ) ( 15 U.S.C. 1681I to ask that you provide me with the following information : 1. The date you contacted the creditor. 
2. The contact information for the creditor. 
3. The name of the person who verified the item to you. 
4. The method of communication you used to verify this information
Consumer complaint received 2022-07-08
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. (NY)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX Account XXXX 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 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2022-07-08
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. (TX)

FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Closed.
Consumer complaint received 2022-03-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC (IA)

On repeated occassions ( XXXX, XX/XX/2022, XX/XX/2022, XX/XX/2022 ) XXXX XXXX ( North Star collections ) called about a debt but leaves no contact number. No one at this phone has a loan in collection. Caller leaves a dollar amount only. Dates listed are the most recent recorded dates. Calls started approx 3 months ago and range between 2 and 4 per week ; calls are usually between XXXX and XXXX XXXX XXXX.
Consumer complaint received 2018-08-18
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. (IN)

On XX/XX/2018 I sent up a payment for {$63.00} to be paid on XX/XX/2018 and XXXX   XXXX XXXX took two payments from my XXXX XXXX XXXX Account for {$63.00} and {$170.00} on the same day. I called to speak with a supervisor and asked that the payment for {$170.00} be returned back to my XXXX XXXXXXXX XXXX account because I did not authorize for two payments to be taken out of my account. I had already calculated my transactions and by XXXX  XXXX XXXX taking an extra payment out of my account of {$170.00} it would cause my account to be overdrawn and {$96.00} worth of fees to be assessed to my account. The representative told me that they could not void the second transaction but I could go into a XXXX XXXX XXXXXXXX branch to open up a new checking account and they would see if they could return the funds to a XXXX   XXXX XXXX checking account. I did not want to open up an account with XXXX   XXXX XXXX because in the past they promised to take care of their error with processing a payment a few years ago and failed to address their error then reported that I did not make my payment and closed the credit card account which subsequently impacted my credit score and credit file. 

When I set up my payment for {$63.00} no other payments was pending on the mobile app. The representative told me that I should not be using the mobile app to view prior scheduled payments but the desktop. I did not know that I could not rely on the mobile app because that's all I had been relying on in the last 6 months and it was not an issue to my knowledge. In all I had to go to XXXX XXXXXXXX XXXX  to complete a REG E claim to have the {$170.00} disputed and to date I have incurred {$96.00} with XXXX XXXXXXXX XXXX and {$82.00} worth of fees with XXXX XXXXXXXX XXXX because the representative and her supervisor would not cancel out the second payment that was not showing in the mobile app of their system. 

Additionally XXXX XXXX  XXXX has recently reported that I did not make my XX/XX/2018, XX/XX/2018 and XX/XX/2018 because of their error. I have proof that these payments and the additional payment that came out of my XXXX XXXX XXXX checking account. Even after the XXXX  XXXX XXXX staff made an error a few years ago with failing to process my payment and closing down the account, I still have been faithfully paying the account. However, they have not been reporting my payments to the credit bureau as they promised. I need for the Consumer Financial Protection Bureau to launch an investigation against XXXX XXXXXXXX XXXX because I have asked to speak with the Escalation Team within the Office of the President and the representatives refused to escalate my call. And their staff refuses to correct all their errors.
Consumer complaint received 2021-12-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

I informed Credit Bureaus that this company was violating the Fair Credit Billing Act by illegally adding fees and yet you did nothing to correct the matter. Had your record-keeping been accurate, proof of the last statement would have revealed such horrendous behavior. You are condoning illegal behavior and credit bureau is willfully in violation of FCRA. REMOVE FROM MY REPORT IMMEDIATELY.
Consumer complaint received 2018-08-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

It has almost been a year, since XX/XX/XXXX, where I have sent in my first round of dispute letters ( i.d theft affidavit and police report ) for you to remove the fraudulent information from my credit report in violation of 15 USC 1681. 

This is my second time since XX/XX/XXXX on contacting the Consumer Financial Protection Bureau, and since then I still have no results on the fraudulent information being deleted from my report. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original application. 

On XX/XX/XXXX, I certified mailed Affidavits of Truth and Facts to all 3 bureaus about removing the left on fraudulent information from my report. You have not provided me a copy of any original documentation that you have on fine. Under section 609 and 611 ( a ) ( 1 ) ( A ) of the FCRA, you are required to promptly delete all information which can not be verified. 

On XX/XX/XXXX, I mailed a second written request to all 3 bureaus, under section 617, the law is very clear as to the civil liability and the remedy available to me for " negligent noncompliance '' These 3 bureaus have had well over 60 days to complete these actions.
Consumer complaint received 2019-03-30
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. (MN)

Called Trans Union on XX/XX/XXXX. I noticed two Fraudulent Inquiries on my Credit Report. They refused to help me at all. 

1. XXXX  XXXX on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX Please have these two inquiries removed immediately!
Consumer complaint received 2019-03-29
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. (CO)

XXXX  and XXXX are reporting correctly that the XXXX XXXX XXXX partial account number XXXX reports a {$0.00} balance and {$0.00} past due. ( Please see pages 4 and 5 of the attached credit report. ) Experian, however, has not updated its records on my credit report. This incorrect reporting is harming my credit score.
Consumer complaint received 2019-01-08
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: Experian Information Solutions Inc. (FL)

For all intensive purposes, my credit report only shows positive marks. I recently closed 2 loans that were held active for a year or more.

1 loan in the amount of {$23000.00} ( XXXX at time of payment in full ) originally and another a home mortgage loan paid in full at the time {$130.00}, xxx.xx.

Approx. 1 month later the credit bureaus updated my credit score by lowering it 29 points.

My debt to income ratio sky rocketed, all account across the board saw reductions/decreased account balance ( s ).

I am disputing my credit score having a negative impact after satisfying loans that I always held in good standing.

There is clearly something wrong with the algorithm that calculates such scores. My buying power has most certainly gone up ... my credit score should have as well.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly valued.
Consumer complaint received 2019-03-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America I filled a fraud on my account on XX/XX/2014 bank America claimed no fraud was committed they claimed I reported claim on XX/XX/XXXX on my XXXX XXXX and lied about amount n questions which was XXXX they told XXXX XXXXXXXX I owe them XXXX and XXXX XXXX told me I needed to have XXXX to clear account with them not being able to open account go letter which is dated on top XX/XX/2014 but saying XX/XX/XXXX in question clearly a fraudulent act on bank America and XXXX XXXX see it's my right to a fair report and it's not they have a fraud under my name and can't open bank account or get credit card I have XXXX credit can't get card cause of them if name not cleared will seek legal action as it say I can n fcra act it let me attach only two items the date on top on page saying XX/XX/2014 camara phone didn't get would not let take third pic
Consumer complaint received 2018-08-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc. (TX)

My car was repossessed on XX/XX/2017 after missing one payment. I was currently making payments when this company repossessed my car. They sold the car for auction on XX/XX/XXXXXXXX this was after my payday but they demanded my entire check, XXXX dollars. I was due to XXXX  on the XX/XX/XXXX, so I asked for an extension but they didnt extend and took my car. I XXXX and they sold the car which was bought XX/XX/2017 brand new for XXXX XXXX and left me a XXXX balance and didnt notify me and are charging me thousands in interest which I dont believe is fair. They also did not send me notice that they were selling my vehicle, I found out on my credit report. This companys name is GM financial and they are scamming military members out of their money.
Consumer complaint received 2022-07-08
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. (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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-12-04
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/XXXX, I wrote requesting an investigation into ( XXXX XXXX account number XXXX ) as of XX/XX/XXXX. I have not received a response from the credit bureaus, XXXX, TransUnion, or XXXX. I believe there was INACCURATE reporting of the account XXXX. I have not received a reply or any acknowledgment that an investigation has begun. The credit bureaus are not in compliance with their own policy of 30 days. 

XXXX, TransUnion and XXXX reporting account XXXX as late payments for 90 days for the month of XX/XX/XXXX, with paid as agreed in the previous months XXXX and XX/XX/XXXX, and the current months showing XXXX and XX/XX/XXXX, no data. The account XXXX on the myfedloan.gov website in the account XXXX show no late payments or delinquent or default for account XXXX in the history. I have attached copies for the account XXXX. as proof of inaccuracy.
Consumer complaint received 2019-04-30
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: EQUIFAX, INC. (NY)

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.
Consumer complaint received 2019-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT FILE, PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ACCOUNTS OFF MY CREDIT FILE.