davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-26
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)

The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.
Consumer complaint received 2021-04-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld Systems Inc. Collection agency keeps reporting false debt on my report. Out of the blue one day, I received an alert through XXXX that I had a new collection account. I immediately looked it up and saw that the original debt was owed for a XXXX XXXX account, which Ive never had. I contacted XXXX XXXX to verify if someone was using my name and was told that I should report the company because there was not now nor never an account in their system with my name. I filed a dispute and the false claim was removed almost immediately. I assumed it was a mistake and moved on, but last week, the same account showed up again, with reason disaster relief as the reason I didnt pay, and thats a complete lie. Never owned the account, nor owed the debt and need this company out of my life and my credit file permanently. I disputed the account again and had it removed from one credit account, waiting for the other two. This company may have some valid accounts, but mine is not one of them! If they report anything else, I will be forced to hire an attorney to protect myself from this type of fraud.
Consumer complaint received 2018-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I called the customer service to talk to them as I have disputed the bankruptcy on my account and they claimed to have verified the item but after speaking to the court house where they said that they had verified it with I was told that they had not verified it and do not release any information to anyone. I called and was transferred quickly to someone else and clearly they did not want to fix this problem. I would like this item removed off my report as I have told them it is not correct.
Consumer complaint received 2018-11-23
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 — Investigation took more than 30 days
Company: PRESTIGE FINANCIAL SERVICES INC (TX)

A previous report was filed because Prestige Financial refuse to acknowledge request for loan payoff and additional request to report " loan paid in full '' once payment was received. After checking with all the bureaus ... .credit report reflects to auto loans out owing more than 40.0000.00. I request this information to be corrected immediately,
Consumer complaint received 2018-11-23
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. (VA)

I received a letter back from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. The letter indicated that I didn't not provide the requested documentation which was a police report. As of XX/XX/XXXX, I have submitted a copy of the police via certified mail. The certified mail tracking number is XXXX XXXX XXXX XXXX XXXX. A copy of the certified mail receipt is included with this correspondence. The police report is dated XX/XX/XXXX. To date, I have not gotten a response back from XXXX XXXX.
Consumer complaint received 2019-09-05
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: DISCOVER BANK (CA)

Duplicated charges from the same doctor 's office since XXXX. My husband signed/authorized the charges only once with every visit to this doctor 's office but they are all duplicated on the Discover Card statements. We have paid Discover Card for these unauthorized  transactions. Dispute department has been contacted in XX/XX/XXXX and XXXX worked to put the credit of {$660.00} and {$140.00} on our account. These then showed up as transfer balances on XX/XX/XXXX and XX/XX/XXXX respectively ( see attached ). Discover Card dispute supervisor ( XXXX ) whom I spoke to on XX/XX/XXXX confirmed that Discover Card has paid the doctor 's office twice for each of these transactions. We have paid Discover Card and expect Discover Card to pay us back in full for the unauthorized charges immediately. It is a mistake made by Discover Card in paying the merchant for unauthorized transactions and their Fraud department should take responsibility for not catching this. Discover Card is unfairly making the payment to us for these unauthorized  transactions dependent on them being able to recoup the money from the merchant as a " transaction by transaction '' dispute and reversing the temporary credit when the merchant is unresponsive or responded that they did not duplicate a charge to Discover Card for a particular disputed transaction. XXXX also told me on the XX/XX/XXXX call that she can only put a partial amount of the total owed to us on permanent credit ( {$770.00} ) and refused/ can not give us permanent credit for the full amount owed to us ( {$1300.00} ). The {$770.00} permanent credit still has not shown up on my account as of this writing. On XX/XX/XXXX, I have received several letters in the mail from Discover Card stating they are unable to settle the disputes in my favor and consider the charge to be valid with merchant 's response attached amounting to {$730.00}. On XX/XX/XXXX I have also reached out to the doctor 's office and spoke with XXXX in Billing. I was told to mail her the statements showing the duplicated/unauthorized transactions. This was mailed to her by registered mail. XXXX made a follow up call to me on XX/XX/XXXX and mentioned XXXX, her supervisor has provided a full report to Discover Card.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent request in regards to a account that is not mine that is reporting on my consumer report I have not received a response with proof of the original contract that contains MY Signature and it has been over 30 days i demand for this account to be DELETED off my consumer report immediately account XXXX XXXX  account number XXXX
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (FL)

Region 's bank has been my bank dating back 25 years to when it was XXXX. In XXXX I took out a personal line of credit to start a business. I quickly payed off the loan and as of XX/XX/XXXX I had not used this line of credit in over 2 years. In XXXX of XXXX, I asked a rep named XXXX from the XXXX XXXX XXXX  XXXX XXXX XXXX bank to close this account for me, as it had had a XXXX  balance for the previous two years. In XXXX of XXXX, I received a letter from Region 's stating that the account was 30 days past due. This was the first and only contact that I received from the bank and it came after the account was 30 days delinquent. After investigating, I found that the account had not been closed and that a {$50.00} annual fee had been added to the account without my knowledge or authorization. This fee was the only money due on the account. I have made numerous attempts to speak with Region 's corp headquarters about this issue and even had a letter written on my behalf from the manager of the branch in question. Despite my attempts to resolve this issue, Region 's has refused to remove this mark from my credit score. As of my XXXX birthday, this is still the only late payment that has ever appeared on my credit report and I do not believe that it fairly reflects my ability and willingness to pay my debts.
Consumer complaint received 2022-07-26
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. (PA)

The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.
Consumer complaint received 2018-11-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (WA)

received a call from the company and was told that the check had not arrived. I stopped payment on the check and then on XX/XX/2018 the check cleared my account throwing me {$890.00} into the negative. Thursday was XXXX so Friday morning I went to XXXX XXXX  to fix this matter. They could not refund the money because it had been hard paid on Thursday which was a holiday. They spent 3 hours calling the company faxing documents as per customer service agent XXXX 's request. Then we called to find out if they had received the papers and were told it would take 24 to 48 hours for them to receive them. That means they will not receive the fax till Monday or Tuesday and then it will take 3 to 5 days to get the money back into my account. This is unacceptable as I am in the negative now! I have other bills that will be coming out of this account that have already been mailed out because this money was never supposed to leave the account. Then after 6 hours I called again and spoke to someone named XXXX who told me there was nothing he could do that this was their policy and we were stuck with it. He also could not give me a last name and ID number or a direct line to call him back on Monday to find out if they have received the papers. I have never dealt with such an incompetent company in my life. Last month they lost our checks as well and miraculously found them 3 days later. I would like my money immediately since they received it immediately when they put the check in the bank. We are not living in caveman days it does not take 2 days to get a fax. It also does not take 3 to 5 days to transfer money from one place to another. It should be by the end of business today. What am I supposed to do to pay my bills when they have basically stolen money from me and are holding it hostage I would like a phone call, and email, or a letter from you telling me what you plan to do about this. This company is not doing business in a reputable and upstanding way.
Consumer complaint received 2019-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (CO)

I submitted a dispute to BBVA Compass Bank regarding two {$100.00} charges on my account dated XX/XX/19. I received ticket # XXXX on XX/XX/19 from XXXX and was told I would receive some forms to fill out and sign within 10 days. I never received these forms nor did I receive the dispute acknowledgement that they legally were supposed to send me within 30 days. Also this dispute has not been resolved within the two billing cycles they are supposed to have resolved it within legally. 

I called them again on XX/XX/19 asking again why I've received nothing and what was going on with my dispute and spoke to XXXX who stated he knew nothing about any forms and told me to wait longer. He also gave me the phone # to call the dispute department directly. 

I called again on XX/XX/19 directly to the dispute department and spoke to XXXX who stated that nothing has been done on my dispute and the ticket # was just notes stating I had started a dispute. When I complained about no one working on this dispute and them just giving me the run around, she stated she would put me on hold and " get this dispute to the finish line '' After leaving me on hold for a half hour, she just transferred me back to the original customer service department again! 
I spoke to XXXX and insisted on speaking to a manager so he transferred me to someone named XXXX who was just as useless and unhelpful as everyone else I've spoken to at BBVA. She said she couldn't control the mail if I didn't receive the letter, but wouldn't tell me that they had even sent one. She also wouldn't tell me why there were not any correspondences in my online messages or any copies of this non existing letter or what if anything was done on the dispute. She again told me just to wait and maybe this would end up in arbitration!! When I told her I was fed up with the run around I was getting and the terrible customer service her company has she couldn't have cared less. She stated " do what you have to do '' when I told her I was filing complaints against BBVA.  She said she would escalate my dispute to another manager but wouldn't transfer me to them so I have no idea if she even did that or if she just added another note or did anything at all to resolve this dispute.
Consumer complaint received 2023-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I have sent several requests regarding late payments that are being reflected on my consumer report and still have not received a response on XXXX I sent a CFPB request claim number XXXX and XXXX requesting PROOF of these so called late payments and stated LAWS that they are BREAKING by reporting INACCURATE information it has been well over XXXX I still have not received proof I DEMAND that ALL LATE PAYMENTS be REMOVED XXXX XXXX XXXX from my credit report and updated to show as positive. Account XXXX department of Education
Consumer complaint received 2023-03-25
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. (TX)

I constantly check my credit report and noticed that the errors and false misleading information fro individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time. I'm demanding CFPB to enforce the correction and or deletion of these items
Consumer complaint received 2024-02-21
Product: Credit reporting 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. (IL)

I have several inquiries on my TransUnion credit profile that are incorrect. Ive tried several times and have also submitted paperwork to TransUnion several times for them to remove these inquiries from my credit profile. Ive also previously submitted a complaint with CFPB in regards to the negligence of TransUnion and other credit reporting agencies. Ive given them numerous amount of time to handle and correct these errors and they still have not corrected them. Ive informed TransUnion several times I never authorized my credit to be ran by any of these credit companies. Also, that Im not familiar with the times date and companies that ran my credit.
Consumer complaint received 2023-03-25
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)

To whom it may concern : I requested verification of this alleged debt from XXXX XXXX XXXX, and they did not introduce enough proof to me for this to be on my credit report. The original creditor added an addendum without my knowledge. They don't have an address that connects me to this debt. The signature doesn't match my handwriting. Neither of you has documentation to maintain this on my credit reports. Cease any credit bureau reporting and remove this account from my credit report. Please do not close it. Please remove it or face further consequences.
Consumer complaint received 2023-03-25
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: Colony Brands, Inc. (IL)

Report Number XXXX Date Generated XX/XX/2023 GINNYS Account XXXX THESE 2 COMPANIES I FOLLOWED DISPUTES WITH PREVIOUSLY AND FOUND IT WAS STILL ON MY CREDIT REPORT THEY WHERE CHARGED OFF AND NOW AFTER A DISPUTE IT SAYS ON MY CREDIT REPORT I HAVE A CTIVE BALANCE Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 

XXXX XXXX Account XXXX Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details.
Consumer complaint received 2022-02-15
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. (MN)

The accounts are still reporting inaccurate on my report which needs an immediate action. I have sent letters to the Credit Bureau but still no response was ever received from them. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law. Below are the accounts that are still reporting on my report : Late/Open XXXX XXXX XXXXXXXX Balance {$360.00} XXXX XXXXXXXX XXXX Balance {$7.00} XXXX XXXX  XXXX Balance {$12.00} ND XXXX OF XXXX XXXX XXXX {$1500.00} Late/Closed XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} ChargeOff XXXX XXXX Balance {$1200.00} Collection XXXX  XXXX Balance {$310.00} XXXX XXXX Balance {$4100.00} XXXX XXXX XXXXXXXX XXXX Balance {$43.00}
Consumer complaint received 2022-07-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

1. I purchased a vehicle on XX/XX/2017, the lender was Santander 2. The loan terms are : {$17000.00} XXXX months 21.55 % APR XXXX. I have noticed my principle balance has failed to reduce to level that would allow for the loan to paid off at the end of XXXX  months. 

4. I have requested an amortization schedule from lender Santander several time but they fail to produce one. I was not given an amortization schedule when I singed the loan. 

5. I have only been given a payment history that shows the principal payments are erratic and low, even as the payment shave progressed now into the XXXX year of the 6 year loan. I was never given any terms surrounding a balloon Thank you payment due at the end of 72 months. 

6. I have been consistent with making my monthly payments on time XXXX. It appears there will be an enormous sum due ( several XXXX dollars ) at the end of XXXX months. I have paid off other vehicles before and have never encountered this type issue, uncooperative response from the lender, or potential predatory practice. 

8. I am requesting for this to be investigated and remediated, with my principal balance to be adjusted accordingly
Consumer complaint received 2022-07-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Sunset Management, Inc (GA)

This loan with Sunset Finance was paid off {$110.00} check number XXXX in XX/XX/2022. It is still showing {$110.00} balance as of today on all credit reports. I have disputed it already.
Consumer complaint received 2022-07-13
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. (CA)

On XX/XX/XXXX My wife started the process to refinance the loan through another company and remove my name from the account. I informed XXXXXXXX XXXX XXXX of what I was doing, and they said it was fine there was nothing needed on their end. The new company sent out the final payment in XXXX and it was received the second week of XX/XX/XXXX. XXXX XXXXXXXX XXXX marked on my credit report the XXXX payment as late, even though they knew they were getting a paid in full, and with COVID around this time unfortunately the mail was late. My daughter was in the ICU, and XXXX XXXX XXXX marked it late having a negative impact on my credit score even though they received the paid in full amount.
Consumer complaint received 2019-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have tried to speak with a real person at Experian for one week now. Called 3 different numbers getting the same results no matter what combination of numbers I push. I applied for a dept consolidation loan. Experian is showing 4 new hard inquiries on my credit report from that company that I applied with but the company is not receiving the report to process. I have tried every number including speaking with the XXXX call center which I actually spoke to a REAL PERSON. She said that I had the wrong number and gave me the supposed number that I have been calling for a week. 

think what is going on is I applied for a loan that experian suggested through an email i recieved through XXXX XXXX but I was shopping around and tried a different company. I know that experian gets a kickback for this application so I am wondering if they are blocking the report to the other company because of there vested interest. This is beyond frustrating!!!!!! And on top of all that this agency CFPB tells me it will take 15DAYS!!!! for anyone to see this complaint! WHATS THE POINT!!!!! 

There is no freeze on my credit report!!! 

What in the world is going ON!!! 

Will anybody listen!!!!