davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-23
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. (MD)

on XX/XX/2021 this credit reporting agency was sent a letter to provide method of verification as outlined in the FCRA section 623. I also sent them several dispute letters requesting to be provided with the following ; any certified signed documents with my inked signature, information that was provided to the data furnisher as verification that the information they received was in fact me, documents signed with my signature for any release of information, who was the person they spoke with, title, and contact information, who confirmed my identity, was there a authorization of release? what was the name of the credit reporting agency who verbally spoke with the person, provide me with certified documents of procurement. I have not received a notarized affidavit confirming that the information that was provided was in fact true, correct, verified and accurate. Credit reporting agencies use automated systems and codes to input information into anybody 's systems. None of the information was verified by a human person. I have not received any of the requested information. XXXX is a government agency that is not allowed to be be used for commercial use. XXXX also states that they do NOT validate any public records. If pacer doesn't verify any public records, how can a credit reporting agency verify the same? I have requested information from the credit reporting agency on what information they have received from the courts. I was not given a person 's name, title, date and time of the conversation, documents that were provided or received, or who was the representative the employee spoke with. I contacted the court name on the credit report and was told, they not received any certified information and request from any credit reporting agency. I requested NON automated information and a PROPER investigation be conducted. XXXX is a automated PUBLIC system. Anyone can create a account, access anyone personal information, store it, and sell it to anyone. So how is a automated GOVERNMENT public records system verifiable information, human 's can make input error mistakes into a computer which could cause catastrophic financial distress. The court 's state that they do not verify any public information? I received several letters stating the there was a bankruptcy account that has been verified by XXXX XXXX who states that they do not have record of any such bankruptcy on file. How is the credit reporting agency stating something like that has been verified with this third party if the third party states that they do not have such? All the credit reporting agencies are suppose verify and report only accurate items on a credit report. Two of the three credit reporting agencies does not have any reports of a bankruptcy on file.
Consumer complaint received 2020-07-25
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)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE. I HAVE ATTACHED REPORTS HIGHLIGHTING THE DEROGATORY ACCOUNTS AND I AM REQUESTING IMMEDIATE REMOVAL.
Consumer complaint received 2021-03-05
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. (MD)

Equifax Credit Reporting ( XXXX # XXXX ) continues to reinsert and conduct due diligence concerning incorrect information that has been disputed by the consumer. 

Equifax Credit Reporting knows or should have known the reported information was incorrect if the proper investigation was conducted pursuant FCRA. 

A Bankruptcy Chapter XXXX # XXXX was opened and closed within four ( 4 ) days. This public record belongs to a person of a possible similar name however not to the consumer. Equifax remains the only Credit reporting Agency that is fraudulently declaring they have investigated and correctly reporting the information. Consumer has confirmation, in writing, for the US Bankruptcy court confirming Equifax is fabricating this tradeline. 

Consumer ( XXXXXXXX XXXX ) contends this has been a systematic behavior concerning Equifax Credit Reporting.
Consumer complaint received 2020-07-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (NY)

I explained to navient that the student loan in which they're saying I owe money on is no way my student loan I was XXXX  since 1995 along was taken out during my XXXX  it is not my fault they gave this child alone and on with it saying I was responsible for the law says a person XXXX  can not obtain any loan I've explained this to navient over and over again I've set them letter stating that I was XXXX  at the time in which this long was taken out but they will not remove this loan from my credit and it's hurting me and my family now after doing 20 years in the penitentiary and I'm trying to buy a home and it's hurting me I need some help with this I need somebody to get in touch with me and help fix this matter thank you
Consumer complaint received 2021-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (NV)

I have the bank statements to show the dates paid and will make these statements available upon request. 

Toyota Financial claimed the following late payments on my credit reports. 

A. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

B. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

C. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

D. XX/XX/XXXX late. 
1. Bank statement paid XX/XX/XXXX. 

I traded the vehicle on XX/XX/XXXX but, Toyota Financial continued claiming late payment well past XX/XX/XXXX.
Consumer complaint received 2021-10-23
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: Conn's, Inc. (TX)

Went to Conns XXXX XXXX in XX/XX/2020 to shop around. Considered getting a few items but ended up not purchasing anything. But in the process, while discussing their terms for products, a sales associate used my information that was previously stored in their computer from years prior to run my credit report. 

He didn't ask me to run it again, nor did I provide my SSN that day. I guess he was just clicking through and assumed he could just run the credit without asking. So now I have these 2 hard inquiries bringing my score down without even purchasing anything from this store.
Consumer complaint received 2019-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (UT)

I am new to Discover Bank and i put a small amount in the checking account to test it before I make the full switch to them. Today, XX/XX/XXXX, I tried to use my card for gas and it was declined NSF. I called and was explained that it is because the gas station will put an authorization sometimes up to {$100.00}. I do understand that so I spoke to the gas station and I was told that, that usually happens with credit cards however debit cards it is usually {$1.00} ( I have {$75.00} in the account ). Ive had {$10.00} in XXXX XXXX before and was still able to buy gas for that amount. I then tried to use it for XXXX and XXXX XXXX XXXX, which both were declined. I called Discover Bank and they did not see the attempt for either two. The explanation was to contact the two companies and really no other answer was provided. I should not have to, it is time consuming, this is not a problem a consumer should be resolving and honestly I do not have this issue with XXXX XXXX or my local credit union. I did close my account with Discover but it was sad because I had such high hopes for Discover as I had such good experiences with their credit card.
Consumer complaint received 2022-06-15
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. (CA)

I contacted Equifax in XX/XX/2022 asking that they please add two XXXX XXXX XXXX XXXX XXXX for which I am an authorized user as my Equifax Credit Report was incomplete and missing the two credit cards in question. Equifax, as of today, has refused to add these two accounts without basing their decision of any statute, law, edict, court case, dicta, caselaw, etc. In fact, my request have been ignored as a reply has not been afforded. The FCRA permits CRA to add " authorized '' user account to profiles. In fact, both XXXX and XXXX both show these two accounts in question. Of real concern is the fact that Equifax, in retaliation, has initiated, on its own, disputes with some of my creditors. Yes, you are reading correctly, I have not disputed any inaccuracies nor disputed any incorrect information shown in my Equifax Credit Report. Equifax has opened multiple disputes without my approval and without my knowledge. For example, multiple disputes have been opened by Equifax with XXXX  XXXX XXXX, on account XXXX, a legitimate account, in good standing, and for which I have no problems with. The information for his account is correct. Why did Equifax, randomly, decided to start opening disputes with this creditor without my permission? This is illegal! Equifax reference dispute # : XXXX and XXXX. My cease and desist letters have been ignored. I will file a complaint with my State Attorney General and consider taking legal action. Under what FCRA statute does Equifax opens up disputes with my creditors in a secretive manner? What legally justifies their actions?
Consumer complaint received 2020-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MI)

Right now there three sets of the same loans on my credit report. Theyre all reporting different information to different bureaus. Its hurting my credit differently on each one.

All accounts are paid off, but only one loan reports as paid of f while the other 12 are reporting as charged off.

This negative mark alone is ruining my credit, I have tried to fix this multiple times, and to no avail. Please assist.
Consumer complaint received 2022-06-15
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)

In accordance with the fair credit reporting act XXXX  Account # XXXX XXXX XXXX XXXX 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 agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (VA)

M & T Bank XXXX XXXX XXXX XXXX MD XXXX I have Home Equity ( HE ) Line of Credit with M & T Bank, we have been paying regularly and never been late. In XXXX we received a call from M & T bank that due to COVID 19 hardship we can have 3 months payment suspension and bank will not report it late. They deferred the XXXX payment but in the month of XXXX, they took out XXXX payment {$450.00} on XX/XX/XXXX2020 from my M & T checking account made me negative balance in my M & T check account. On XXXX XXXX  I was charged XXXX as over draft fee and my total negative balance become - {$310.00}. I called the bank, after the long hold and transferring me to few departments in HE they told me it is M & T HE department fault and they will reverse the XXXX amount soon. As of today XX/XX/XXXX20 ( after 15 days ), I am still in negative balance of - {$110.00}, as last week my direct deposit of {$200.00} came in. M & T is keep on charging me {$38.00} of over draft fee. From XX/XX/XXXX I have been calling M & T every other day, On XX/XX/XXXX, they filed a complain ( # XXXX XXXX name XXXX ), upon my request. I have spoken to M & T representative ( s ) : -XXXX  XXXX -XXXX  XXXX and XXXXXXXX XXXX . Some the customer service representatives were very rude and unprofessional. My checking account and HE are in M & T bank but I am surprise no one knows there how to reverse and fix the issues. 
I am very disappointed with M & T Bank as I have to spend almost 2 hours to get hold and talk to M & T customer server rep. every other day starting from XX/XX/XXXX. 
Thank you.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX one of my employees was not able to login into the Barlcays Business Card website. We called customer service and after almost 3 hours were told that, there is now only one way to login into a Barclays credit card account. This change would mean I would have to give employees access to my personal Barclays card which is non-business with only one option to log into my credit card. Their website said if you need a login for business credit cards to contact them and request one. We contacted them on five different occasions and no one was able to help. 

Call XXXX XX/XX/XXXX - 31 min at XXXX XX/XX/XXXX - 15 min at XXXX XX/XX/XXXX - 55 min at XXXX XXXX 3 min at XXXX XX/XX/XXXX - 52 min at XXXX
Consumer complaint received 2022-06-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: M. G. Credit, Inc. (FL)

MG Credit XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL. XXXX FTC REPORTS ATTACHED I XXXX XXXX Consumer to MG Credit XXXX In response to your claims, I owe your company/your client XXXXXXXX XXXX an alleged debt. I never had any contracts with your company. NO WRITTEN CONSENT may constitute Aggravated Identity Theft. MG CREDIT is in possession of my personal information and I did not give my written permission for this company to access any of my personal information. MG CREDIT used my identification without my permission no consent means Identity Theft. MG CREDIT HAS DAMAGED MY REPUTATION AND DAMAGED MY MODE OF LIVING BECAUSE YOU FURNISHED A CONSUMER REPORT WITHOUT MY WRITTEN CONSENT. 18 USC 1028a AGGRAVATED IDENTITY THEFT MG CREDIT ALSO HAD NO PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORTS 15 USC 1681b FTC REPORTS ATTACHED
Consumer complaint received 2022-06-15
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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't furnish an account without my written instructions.
Consumer complaint received 2022-06-15
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. (MD)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, and 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't furnish an account without my written instructions.
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC (TX)

The bullet point I selected does not fit with my situation but it was the closest thing on the list. 

The collection company and I agreed to pay off my debt starting of the XXXX of XX/XX/2021. We agreed that every month they would charge my account with {$150.00} on the XXXX of every month until XXXX where we changed the payment date to be the XXXX of every month. This collection agency would repeatedly take the money out of my account 1 or 2 days after the agreed date so now XXXX has marked all of those payments as late and is hurting my credit. I wrote a letter to the 3 bureaus about this company charging and illegal fee on top of the debt I have accumulated so the 3 bureaus closed the account but XXXX marked it as a charge-off due to these late payments. 

It was the responsibility of the collection agency to take out the money out of my account on the agreed dates and I did not cause them to take the money late in any of the late payments. Both the XXXX and XXXX reports agree that the payments were not late and that the account is not marked as a charge-off so it is just XXXX that is giving me these issues. 

I would appreciate your help in resolving this issue. Thank you for your time.
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. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired on XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX
Consumer complaint received 2021-10-11
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. (NC)

Transunion credit reporting agency allowed a file on my credit report that doesn't even match my social security number. Due to this issue I am not allowed to manage my credit profile.
Consumer complaint received 2020-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (FL)

At the beginning of XXXX I believe Discover card decided after a customer service call to place my account on review without any reason, no late payments, no return payments, never over credit limit and never paid late. after almost two years they requested tax returns for 2017 which i refused Stating it was intrusive behavior for a {$400.00} credit limit account. Then after closing my account they started the same process with my Husbands account. I truly believe that this is pure and simple discrimination due to the fact that this all started happening right after a conversation I had with a service Representative were I identified my XXXX XXXX. Systematically they attacked me affected my credit and ended a relationship that had zero derogatory issues. I believe the are a company that discriminates
Consumer complaint received 2021-03-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: MRS BPO, LLC (CA)

MRS BPO LLC, Inc. uses tactics like using caller ID spoofing calls.These spoofed calls ( have same area code and the first 3 digit similar to my phone number ) call me as early as XXXX pst. and they called a dozen times a day for 3 to 4 consecutive days before they actually used a legit or real phone number ( XXXX and XXXX ). When they called or leave a message with a real phone number. Conversations and messages are about the seriousness of a legal matter and if I don't respond, they threatened to garnish and withhold my SSA payments. Send CEASE and DESIST messages by text to both real phone numbers of MRS BPO LLC, Inc. on numerous times since XX/XX/2020 but to no avail.