davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
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: EQUIFAX, INC. (NJ)

I XXXX XXXX for a living and years back before i lost my wallet with all my credentials in it. I am not a person that checks their credit frequently but i recently check it because i am trying to get a house for my family and i saw a few accounts on my profile that i have no idea about. I reach out to the credit bureaus XXXX equifax and XXXX  regarding these accounts and they explain to me that i need an FTC report to support my dispute. I am a victim of identity theft. Absolutely none of the accounts listed are related to any purchases done by myself. I am asking that these accounts be deleted from my credit report as soon as possible
Consumer complaint received 2017-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Back in XXXX 2007 I disputed a Tax Lien on my report. Trans Union investigated and removed the incorrect data. Despite verification from the Court that this lien was " EXPENGED '' it has not re-appeared on my credit report as " satisfied or paid. '' which is INACCURATE, FALSE and FRAUDULENT.
Consumer complaint received 2019-06-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (IL)

I closed and sold my property on XX/XX/16. Fifth Third Bank received the pay off for the amount they disclosed as the payoff amount. This amount included a payment of {$130.00} to the mortgage insurance company and it was also stated on the payoff letter. 
On XX/XX/16, Fifth Third Bank made a disbursement for my escrow account of {$270.00}. 
They should not have paid out anything from my escrow.
Consumer complaint received 2017-01-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transuinion had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering. No notice was ever received, which is also a violation and I am requesting that the following inquiries be deleted and/or removed : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XXXX
Consumer complaint received 2020-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bridgecrest Acceptance Corporation (GA)

On XXXX XXXX, 2020, I contacted Bridgecrest at XXXX regarding a financial hardship I was presently experiencing, NOT RELATED TO COVID-19, and made them aware that my XXXX payment will be late. They documented same and immediately begin harassing phone calls and emails regarding my payment delinquency. Although, I made my XXXX payment as soon as I could ( XXXX XXXX, 2020, when I received my XXXX  check ) ; they threatened me that if I did NOT make my XXXX payment before XX/XX/XXXX, they will submit to credit bureaus, derogatory remarks/delinquent/etc. and they did causing my credit score to be reduced by " XXXX POINTS ''!!!!! As I had been working so hard and so diligently to get my credit back on track after bouncing back from Chapter XXXX bankruptcy ; this really hurt me and my continued efforts to strive to increase my credit and get back on track. When I called on yesterday, XX/XX/2020 and spoke with a supervisor at Bridgecrest, she admitted to be aware of the conversation regarding my hardship ; however, she stated that " unfortunately because my payment was more than 30 days late '', there was nothing to Bridgecrest could do. Please note that I was one ( 1 ) payment late and this should not have caused this HUGE reduction in my credit score. Thank you so much for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-04-29
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 — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (IL)

I have repeatedly for over a month asked for validation and verification about an item on my credit report. I have sent items via email, fax and online disputes and information over mail. I still have not received any type of confirmation. I want this item to be removed from credit report. I do not have a written signature to pay any amount of money to LVNV Funding. i did not physically sign anything stating i have to pay them any amount. A credit card bill from ANOTHER company is not sufficient evidence of verification or validation for a 3rd party company.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I 'm filing this complaint because Transunion has ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and ca n't verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you
Consumer complaint received 2018-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NM)

Ive never went to c why my credit is never approved and finally discovered so many loans -online loans and such even retail purchases ive never even head of. 
Ive had my bank accounts broken in to even from out of state but never knew that there were collections.. Iv3 never recieved any of these loans shown. My adresses have only changed once 1 and ive only had 3 main adr3sses my address in XXXX change to my current physical n XXXX, nm but the permanents are XXXX, az and XXXX, nm postal im currently adsing the postal in XXXX  but havent done so ... Idk who but this is unfair to me and my wife as we thought we could purchase a vehicle i have one that was repoed n the past but since have not trued id like some kind of closure with these listed XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , KS XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$880.00} Date Updated : XX/XX/XXXX Original Amount : {$880.00} Original Creditor : XXXX   XXXX XXXX NM ( Financial ) Past Due : > $ XXXX before the due date. 
XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$1500.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$110.00} per month, paid Weekly for 28 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : LEASE Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$960.00} Pay Status : Current ; Paid or Paying as Agreed Terms : {$80.00} per month, paid Monthly for 12 months Date Closed : XX/XX/XXXX Remarks : CLOSED XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : SECURED Balance : {$0.00} Date Updated : XX/XX/XXXX Payment Received : {$0.00} Last Payment Made : XX/XX/XXXX High Balance : {$750.00}
Consumer complaint received 2016-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Someone is using my info saying they live in XXXX under my name. The address is XXXX XXXX XXXX XXXX pa XXXX. This is not my address. My address is XXXX XXXX XXXX XXXX pa XXXX and has been most of my life. I 've never lived in XXXX. Please help with this problem
Consumer complaint received 2022-01-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC (MI)

I XXXX XXXX a consumer entered into a consumer credit transaction with Carvana on XX/XX/2022. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 a finance charge is the sum of all charges in a consumer credit transaction. My property was supposed to be delivered to me on XX/XX/2022 but later found out that Carvana refuse to release my property because I didn't verify my income for a down payment. Pursuant to 15 usc1662 I know that I'm the Original creditor and just extended my credit to Carvana so they should not have been asking or promoting that a specified down payment is required in connection with any extension of consumer credit unless I asked for it. I was so upset I've been having headaches and I will not stop sweating. Upon speaking to a live representative on XX/XX/2022 named XXXX from the Arizona location she too continued to tell me I had to make a down payment to receive my property. I proceeded to her I couldn't and that would be Illegal, and I would not make the payment. XXXX told me contact their office to fix my problem. Later on, the same day I called Carvana and was connected with XXXX in the department of verification at the Arizona location he was rude, and I told him that this was a consumer credit transaction and that I had purchased the car and put security interest in my property with my credit card pursuant to 15 usc 1602 with my open-ended credit plan, so it was no need for down payment because that would be Illegal. he told me I didn't pay for it with my credit card and that federal law meant nothing. I told him the contract was under federal law he did not care. At this point I had to take a break and hang up because I felt a XXXX XXXX coming on. I decided to call one more time later on the same day and was connected to a supervisor who yelled at me and basically and told me I had to make a down payment, or I wouldn't get my car. I told her that was illegal, and I asked for the audit trail of the alleged loan since she said I got a loan from Carvana, and she refused. She then referred me to XXXX XXXX from the Department of verification which I once again told her this was a consumer credit transaction, and that the car is paid for with my credit card and she told me I had to make the down payment as well or would not receive the car. I asked her for the audit trail to the alleged loan and she refused and pursuant to 15usc 1691 I have the right not to be discriminated against and a free copy of any appraisals and valuations developed in connection with the applicant 's application for a loan that is secured. I can't believe that Carvana is really furnishing certain deceptive forms pursuant to 15 usc 1692j and also not giving me the right to recission pursuant to 15 usc 1635. Carvana also committed identity theft pursuant to 15 usc 1602 ( p ) because they ran my credit card, and I received no benefits.
Consumer complaint received 2023-03-15
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: Experian Information Solutions Inc. (MN)

The following attached disputes keep being disputed with Experian and they are not sending me what I am asking for. They keep coming back stating that they have verified the information but they are not sending me the verification. I have disputed these items several times and they have blocked me from online disputes. They have left me no choice but to file a complaint against them again and further all documents to my attorney. It is against the law what they are doing. Attached is a copy of the letter that I am sending them also attached is a copy of their response to my several disputes. 

Experian sends the same fake responses for every dispute. The last dispute they claimed that verified it in 24 hours but have YET TO SEND ME ANY DOCUMENTATION confirming its my accounts!
Consumer complaint received 2020-11-10
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. (FL)

company is : XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX, fl. XXXX, ..in 2012, I rented a XXXX apartment for {$550.00}. mntly,. within 7 month the apartment developed many serious problems with mold, bathtub sewage, and default electricy with no maintenance accomplish, .. within the 8th month i vacated the premises, and thereafter was reported to the credit bureau with no balance owed.. AFTER 8 YRS FALSE INFORMATION IS STILL ATTACHED TO MY CREDIT REPORT
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I paid off my current mortgage with SLS.net, the new lender XXXX XXXX paid off the balance due to SLS on XX/XX/2019, SLS is holding my extra payment to them since then. 

I have contacted them several times, they have said they would send out the check and they haven't, I called again, now they want me to wait another 30 business days. 

They are holding my funds and are playing games. 

I need the money back to make my payments. Its not right that they are holding my money for no apparent reason.
Consumer complaint received 2020-11-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: McCarthy, Burgess & Wolff, Inc. (MO)

I received several emails and phone calls from a company called " McCathy, Burgess & Wolff ( MB & W ) - A debt collector who is misleading individuals so they believe that they are receiving a notice from an attorney. 

The above company claims that I owe {$440.00} to " The XXXX XXXX XXXX '' In return, I sent them multiple Cease & Desist letters, which demanded they cease and desist all further communication with me in regard to the debt, and that I would contact the original creditor directly to resolve the matter. MB & W continues to harass me by email and phone. 

I also contacted the original credit ( XXXX XXXX XXXX ) to understand and resolve this debt ( by email and phone ), and they have also chosen not to respond. I am currently retaining legal representation for this matter as well. 

The dates of email communication are as follows : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX My responses were sent on the following dates : 1. XX/XX/2020 @ XXXX 2. XX/XX/2020 @ XXXX 3. XX/XX/2020 @ XXXX and included the appropriate addressees of The XXXX XXXX. Within this letter, I asked how to handle this internally, as I have not received any prior communication from them. 

I called the XXXX XXXX on XX/XX/XXXX and asked to speak to the billing department, where I was told that they were not available at the time. The representative then took the information I provided ( phone and email ) and said that they would have the billing department call me back. That never happened.
Consumer complaint received 2019-10-09
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY (NY)

I had my tire changed couple weeks ago. And my insurance company sent a check to me for XXXX dollars. But I never got it after 3 weeks of waiting, I called them today and found out my check has already been cashed out by someone else to his/her TD bank account. Ive talked to both my insurance company and TD, and i didnt receive any solution from them except apologies. I have a copy of the check that has been cashed out by someone else, sent by my insurance company. And I will upload it
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and update it immediately in my report : XXXX & XXXX XXXX XXXXXXXX Date Opened XX/XX/1997 Balance {$99000.00}
Consumer complaint received 2023-04-27
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. (MI)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Revolut Technologies Inc. ()

Yesterday, I received an sms to pay for a parcel I was waiting for. In the sms there was a link to pay for shipping. I used the link and tried to pay with my revolut card. A code was asked and I received it via sms as well. I encoded the code. 
The transaction was not performed. 
During the night, several transactions were made in my revolut account and the money was stolen. 
Revolut considered that is my fault and they can't return my money.

Please advise!
Consumer complaint received 2020-11-10
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: Experian Information Solutions Inc. (CA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I called XXXX XXXX XXXX XXXX on XX/XX/18 to make a negotiation so that they can settle my account due to I lost my job, and so that they can close my account after agreeing to the settlement amount. In a recorded line, a certain XXXX XXXX offered me to pay {$1200.00} up front to settle the account instead of paying the whole amount of {$2400.00}. I accepted the offer but before I gave my payment I have ask them to send me the settlement letter of {$1200.00} and that I do not owe any money to them after the settlement. He agreed to send me the settlement letter after 2 weeks or so. He eventually transferred me to another person who took my payment and gave me conf # XXXX. But after 2 weeks I received a letter from XXXX XXXX XXXX stating that I still owe a balance of {$1200.00}. XXXX XXXX XXXX deceived me big time. On XX/XX/18 i tried contacting this company again to ask for the settlement letter but can't reach anyone to help me. Phone # 's are listed below : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-11-10
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. (GA)

Dear XX/XX/XXXXTransUnion/ XX/XX/XXXXDear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-11-10
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. (NJ)

I have experienced identity theft at the hands of someone I do not know. They have used addresses, opened accounts, which left me with a depleting credit score. I need this incorrect information deleted from my report so I can move on with my life.
Consumer complaint received 2021-03-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.