davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-26
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. (OH)

Hello : How are you? I hope well. My name is XXXX XXXX and there is incorrect and fraudulent information reporting on my credit profile. It needs to be removed immediately. 
The following inquiry needs to be removed immediately : XXXX XXXX  Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed immediately : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed. 
XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

The following inquiry needs to be removed : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

Please remove all fraud alerts immediately please and thank you. 

Please remove all outdated addresses. 

My CURRENT and Only address is XXXX XXXX XXXX XXXX XXXX, OHIO XXXX. 

XXXX XXXX
Consumer complaint received 2019-08-26
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. (NE)

On Thursday XX/XX/2019 my credit score was XXXX on Friday XX/XX/XXXX XXXX, Equifax, XXXX dropped my score from 34 to as much as 89 points. There was no additional information added or deleted during this time period except that my Credit Card balances were reduced slightly which should increase my score. Upon contacting XXXX they stated that is not information we can provide you. Predatory credit reporting is the biggest consumer ripoff in the United States. ; I want the score returned to the mid 600s or a legitimate explanation why it is not!
Consumer complaint received 2018-04-09
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: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH (NC)

In XX/XX/XXXX I got a loan from XXXX XXXX. I defaulted in XX/XX/XXXX and property was sold. Then it was transferred to XXXX XXXX. In XX/XX/XXXX XXXX XXXX  changed balance due from {$17000.00} to {$29000.00}. I disputed this and then they did an unauthorized hard inquiry. I disputed that in XX/XX/XXXX and they did another unauthorized hard inquiry. Since then all account info has been removed but the unauthorized hard inquires still remained. XXXX said they take a while to update. Do after waiting a year I disputed it again. Once South State Bank was contacted they did another unauthorized hard inquiry last week. I call XXXX  and was told by " XXXX '' that there's nothing they could do to stop or remove them. I needed to lock my file. I talked to XXXX in there lock Dept and she said they could remove them but I would have to be transferred back to dispute Dept. Well this time " XXXX '' answers and says there's nothing they can do. But amazingly XXXX and XXXX sound like the very same person on the phone and when I told her this we got disconnected. So I need help. If I contact the company they will just do another hard inquiry. They are doing it just to affect my credit score. I finally got my credit back to fairly good since my divorce in XX/XX/XXXX and having someone run up over 89k in debt in my name.
Consumer complaint received 2023-04-07
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. (CA)

I am writing this complaint, for several items listed below on my credit report that is reporting inaccurately an has violated my FACTA rights under Code 15 USC 1681a ( 2 ) ( 1 ) these items include! XXXX XXXX account number XXXX Reporting late payment On XX/XX/XXXX. Also XXXX XXXX XXXX account number XXXX reporting late payment on XX/XX/XXXX. Including XXXX account number XXXX reporting late payment on XX/XX/XXXX. In addition to inaccurate account XXXX  card account number XXXX. Open XXXX XXXX. Furthermore, all three credit bureaus are in violation for failure to complete and verified their investigation within 30 days or less and provide me an update of their findings to my credit report. This original complaint was filed XX/XX/XXXX. Also included in the dispute request to removal and deletion of an inaccurate address on my credit report. Including inaccurate inquiries by XXXX XXXX XXXX Experian, Experian credit match, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-06-10
Product: Vehicle loan or lease — Loan
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: Mercedes Benz Financial Services (TX)

I paid off my auto loan payment on XX/XX/XXXX. I requested a loan payoff online on Mercedes Benz Financial Services ( mbfs.com ) and payed the entire amount indicated. The website said the title would be sent out. I waited patiently for the title to be mailed and followed up the week of XX/XX/XXXX after not having received it. I called XXXX XXXX and they said that they would expedite it. I received a call today XX/XX/XXXX that there was a misallocation of funds to my auto account in XXXX of XXXX. I asked the representative why was I not made aware of this in XXXX of XXXX, particularly in writing. She claimed that the customer just recently called about it. How coincidental that once I pay off my vehicle, I am now encountering an issue with my account. I understand that mistakes can be made because we are human, but to not notify me in a timely fashion. This does not add up for me. I am not seeing any data that shows a misallocation of funds in XXXX. I see 2 reallocation line items in XX/XX/XXXX that cancelled out each other and another in XX/XX/XXXX but is not cancelled out. I feel that this is another XXXX XXXX move and that I am likely not the only one experiencing this and Mercedes Benz Financial Service needs to be held to a higher standard.
Consumer complaint received 2019-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP (CT)

XX/XX/2019 I got a letter from ELAN FINANCIAL SERVICES THAT I WAS DUE {$37.00} is owed to be after further investing my account. My card is suppose to be closed and my account closure is in pending status. I was suppose to get my check by XX/XX/19 I never got my check. I called XX/XX/19 Customer Service stated that they never mailed by check and now I have to wait 10 business days to get my check. unacceptable.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2023-04-07
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'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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC. (GA)

I started my complaint approximately XX/XX/2019. I paid a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ; which was recommending to me by XXXX   XXXX XXXX XXXX formerly XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , came on behalf of XXXX XXXX XXXX and gave a written estimate for {$2500.00}. He received a deposit for {$1500.00} ; check # XXXX on XX/XX/2019 and the balance for {$1000.00}, check # XXXX ; a metal part ( track repair ) {$80.00}, check # XXXX. XXXX XXXX DID NOT COMPLETE/FULFILL his contract responsibilities. When I called Suntrust Bank to put a stop payment on the checks ; I WAS TOLD I COULD NOT. I told them that this person, XXXX XXXX XXXX committed fraud. The company XXXX XXXX XXXX XXXX did not exist. I filed a police report, I filed a complaint with XXXX XXXX XXXX XXXX, I contacted the Ga Secretary of State. I filed an Open Records Request with Suntrust Bank by Faxing to all the fax numbers they gave me. I sent a message through my online banking access to no avail. All they sent me was a STANDARD FORM LETTER and it wasn't signed. You violated my rights a banking customer and consumer. The Open Records Request was asking " Where did the Money Go ''? Suntrust Bank said they were assigning an investigator within 15 days. It took over 30. I faxed Open Records Request to ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019 ; called ( XXXX ) XXXX option # XXXX
Consumer complaint received 2019-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FirstPoint Collection Resources (NC)

This debt originated in XX/XX/XXXX I was a victim of ID Theft in XX/XX/XXXX in which I submitted the police report to the 1st Point Collection Company as well as a recent report of someone trying to use my ID to purchase items in my name online in which I also disputed and the remark was removed. 1st Point refuses to remove the deragatory remark from my report acknowledging that I am responsible for the debt owed. I tried resolving this problem multiple times before with this company.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (NJ)

I am writing in regard to late payments on my credit report, concluding to being put on collections in XX/XX/2016 for my XXXX account XXXX, who was then transferred to Receivables Performance Management ( RPM ), the account number is XXXX. 

The amount was for {$1500.00}. This was paid in full within a few days of the collection agency contacting me promising they would get rid of the mark on my credit report. I never even received a payment confirmation and the derogatory mark is still in my report.
Consumer complaint received 2018-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MI)

Did nothing at all for my credit repair. Never used my third credit report. Only use two credit agents constantly sent my third agency information with it never being add. Supposed to dispute items but made my credit report worse. 
Cancelled after not seeing one thing resolved and was charged for a month after service was cancelled. A waste of time and money. 
I want a full refund. 
Never use XXXX XXXX, no one ever has any answers.
Consumer complaint received 2018-10-11
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. (FL)

TransUnion recently sent postal mail to me ( dated XX/XX/2018 ) with incorrect info in the updated reports. There is incorrect information, information that belongs to someone else, AND old information that keeps reappearing or won't go away. I have repeatedly asked TransUnion to remove this incorrect, false, and outdated information, but they still have it there. I've called and written to them several months ago. At one point I am positive that the info was removed, but now it is all back again. The disputed information will be mentioned specifically in the section below. It is extremely dangerous to my person and identity as a consumer for this false and outdated information to continue reporting. This is also why I have repeatedly asked for all accounts to be verified and validated with proper original consumer contracts -- as the FCRA requires -- but they have yet to provide any. They are NOT supposed to just take companies ' words that an account is " verified '', " validated '', and " accurate ''. I've called and was even told that they do not have the documentation that the LAW REQUIRES. So, please tell me why and how they are still reporting these disputed accounts. They are not supposed to do this, and I am prepared to sue for damages done to my report thanks to their negligence in keeping unverified, invalidated info on my reports without taking in or providing to me a SHRED of viable proof.
Consumer complaint received 2023-04-07
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-04-07
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. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BC SERVICES, INC. (CO)

I starting receiving multiple calls a day approximately 2 months ago from a collector who refused to identify themselves. In early XXXX, the man who called again refused to identify himself and ended the call stating he'd send me a letter. Approximately XX/XX/18 I received a letter from B.C. Services of XXXX, CO. regarding a medical bill. I was finally able to connect live with XXXX on XX/XX/2018 at approximately XXXX XXXX. XXXX with in the first couple words spoken became very abusive although I was calling to set up payment arrangement on my account. He was attempting to collect information on a previous family member to which I responded that I had nothing to do with that individual and I strictly was calling in efforts to resolve to my account. He kept demanding that I give him the information and told him he'd be serving me a law suit. I again reiterated I was calling in regards to my account and wanted to make payment arrangements. He said he would not set up payment arrangements and disconnected the line. I called back and he answered again. I told him I wanted the fax number to the office he refused and asked what I wanted to the number for. I told him he was obligated by law to provide the information to me and demanded it again. He then stated I could speak to a supervisor and transferred my call. at XXXX XXXX I spoke with XXXX XXXX ( female ) and explained that I was well aware of my rights, that XXXX had engaged in illegal abusive debt practices and I would not tolerate it whatsoever. She was kind, indicated she'd listen to the call, and speak with him. She also set up a payment arrangement on the account. I feel this needs to be addressed with this company as this in not the first time in my life dealing with them, and each time they behave in the same manner.
Consumer complaint received 2018-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

My two private student loans are at 11.75 % and they will not give me the promised discounts with auto draft and their reason is i just don't qualify. These loans from Navient are impossible to pay off! I have tried to talk with them and reason with them and no help.
Consumer complaint received 2018-04-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Consumer complaint received 2023-04-07
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. (OH)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2020-12-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (CA)

I signed loan docs on XX/XX/20 and also wrote a check for over {$5000.00} to the settlement company in the hopes of closing my refinance loan. Ive sent repeated emails and left numerous voicemails requesting an update on the status of my loan closing, but the company has failed to return my call. I am greatly concerned about my loan not closing and their keeping my funds. All I want is for them to close my loan based upon our agreed upon terms.