davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX AND TRANSUNION Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : ( XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXXXXXX Balance {$11000.00} )
Consumer complaint received 2018-07-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation (GA)

On XX/XX/XXXX I contacted Tele-Check that my bank had sent back a check I wrote on XX/XX/XXXX for XXXX after I had deposited a check for XXXX into my acct to cover the check. I called them because my bank sent it back talking about holding my funds so they could collect as much interest on as much, I know this only caring about themselves not the customer. I spoke w/a XXXX-collector Desk XXXX at Tele-check, not to even go into how inappropriate this person was w/her personal opinions as oppose to sticking to the facts. The reference number for the call that I insisted on is XXXX. I called in advance to ward off them taking XXXX my acct because they could and the funds were there, this is WRONG. I believed this money would NOT be taken out after the call and heads up warning for the check did clear as XXXX and I discussed on XX/XX/XXXX. She tried to get me to pay another XXXX that day?? then they would have gotten XXXX from me, to earn interest and return to me at their will and leisure. Really, a manger needs to pull that call. On XX/XX/XXXX XXXX was taken out of my acct because they could and have access, the risks you run of writing a check these days!! It's check number XXXX XXXX XXXX XXXX XXXX XXXX. 
Tele-check trace number XXXX. They should not be allowed to just capitalize off of ppl like this because my check WAS good and written in good faith. I had NO idea at the time of writing the check my bank would not honor after I knew I had the funds coming to cover.
Consumer complaint received 2018-07-30
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: AMERICAN HONDA FINANCE CORP (TX)

I have a credit report dated XX/XX/XXXX in which it shows the American Honda Finance account as " settlement accepted on this account-paid charge off - legally paid in full for less than the full balance ''. The comments are listed on the American Honda Finance account with all 3 bureaus on the credit report from XX/XX/XXXX. I looked at a more recent credit report dated XX/XX/XXXX and the same account American Honda Finance is listed with XXXX with a past due balance of {$5600.00} and the comment states " profit and loss writeoff - charge off as bad debt ''. Please note I settled this account and legally paid in full less than the full balance. There should be a {$0.00} balance and the comment should reflect " legally paid in full for less than the full balance '' like it used to last year in XXXX. This is an error and I have disputed it with American Honda Finance and XXXX but it has not been corrected. My credit suffered tremendously when they put a debt back on my credit report that is not correct, it increased my debt to income.
Consumer complaint received 2018-11-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kauntey Mediation Services LLC (IN)

I received a call yesterday that went to voice mail. The message stated it was regarding a court case. No mention of who they are. I called the number back and the phone rang, yet no one has ever answered. I've tried several times today to call and still no one answers the call. 
This is what enrages me, my NEIGHBOR rec 'd the same call and had a message of their answering machine for me about the same court case that I got a message about. They are an elderly couple and were worried about me. And today, my boyfriend rec 'd a call from them too about me and the court case. He tried to answer the call but no one was on the other end of the call and the call automatically hung up. 
He and I nor my neighbors have EVER ventured into any financial arrangement ( s ). How are these people getting their numbers? 
their phone number is XXXX
Consumer complaint received 2021-03-30
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. (NJ)

Have incorrect information on my report, addresses I never lived at, a bankruptcy that isnt mine nor did they provide how they verified it was mine. I spoke to the court, they said they did not release information with a persons full social security, that it be impossible for them verify it. They took XXXX  days to investigate it. Also i called to speak to them to dispute XXXX false hard inquiries made on my credit report that werent mine, they said contact creditors, creditors said contact equifax. Equifax would not let me dispute hard inquiries, I informed them i never authorized said inquiries, asked them to obtain proof that i authorized them either in person or show me a paper with my signature, they said they wouldnt let me dospute them.
Consumer complaint received 2022-05-03
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. (GA)

On XX/XX/2022, I submitted a dispute to Experian about a account on my consumer report ( XXXX XXXX XXXX XXXX XXXX ) stating the account was in violation of 15 U.S. Code 1681a-Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Experian put the account under investigation. On XX/XX/2022, The account had been updated. The account had been updated as a Collection account and the account is still reporting as open. Also on the status of the account it says collection account/Never late. According to 15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. this account is in Violation, they are reporting a collection account and also reporting the account as open and also saying it has never been late. This is not accurate how can the account be open, in collection at the same time, and never late? This is not reporting accurately and how can I be sure this whole account is accurate? According to the Fair Credit Reporting Act, creditors and collectors are not allowed to report inaccurate information and has to be removed from the consumer reporting agencies. Remove this account immediately.
Consumer complaint received 2018-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc. (GA)

On XX/XX/2018 I went on XXXX which is Experian to get a free credit report. The service was {$1.00} for 7days free after that if you havent cancelled it would be {$29.00}. Ive been calling since XX/XX/2018 to cancel the service. Ive tried 5 different numbers and you cant speak to a live person to cancel membership. Ive emailed them 6 times and still havent received a response. I called XXXX XXXX to see if they had any suggestions on how to get this matter resolved and they stated I was the 3rd person to call in about the same issue. These are the numbers I have called and email address that Ive used also. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Consumer complaint received 2022-05-03
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I wrote Transunion informing that I did not sign any documents on any hard inquiries on my credit report. Transunion wrote back and said to stay off the internet and it will stop. No investigation are anything. Poor customer service
Consumer complaint received 2023-01-03
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. (MD)

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX, XXXXXXXX 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 Balance : {$820.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 XXXX XXXXXX/XX/2022
Consumer complaint received 2018-07-30
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: REGIONS FINANCIAL CORPORATION (TN)

In XX/XX/XXXX, after a car accident, I paid a portion, insurance paid a portion for car repair and rental of car. In XX/XX/XXXX Regions Bank began issuing a bill for the car rental. I have paid some on this bill, even though I do not believe I own this bill. The bank has been billing for this, since XX/XX/XXXX. The amount now due in XX/XX/XXXX is {$910.00}. I talked to the local bank branch, they could not resolve this issue. I sent a letter to the Regions Home Office in XXXX or XX/XX/XXXX. I did not receive any reply from Regions Bank.
Consumer complaint received 2018-08-01
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: Santander Consumer USA Holdings Inc. (TX)

XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX have have sent them all letters letting them know I didnt authorize these inquiries
Consumer complaint received 2022-05-03
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. (NC)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 1.XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX- account XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX  XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX  - account XXXX XXXX, has violated my rights. 
XXXX. XXXX  - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX L - XXXX XXXX XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - account # XXXX, has violated my rights. 
XXXX. XXXX XXXX XXXX - 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 states : a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antidotes the Report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

These accounts also still contain inaccuracies.
Consumer complaint received 2020-06-03
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: KEYCORP (NY)

I tried disputing a transaction that I have made which was a total of {$54.00} purchase which was the date of XX/XX/2020 at XXXX. The Name of the company is XXXX. 

another thing is unemployment had put in my money for the month of XX/XX/XXXX and the money was never on my card and i called XXXX and they never answered the phone
Consumer complaint received 2024-03-04
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: EQUIFAX, INC. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

Hi CFPB customer care With XXXX XXXX credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND TRANSUNION XXXX reports as well late payments reported in XXXX, XXXX AND TRANSUNION XXXX reports associated with XXXX XXXX card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Consumer complaint received 2020-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (CA)

I recently had a new Approved with OopsLoan acct # App-XXXX {$2700.00} Amount of finance and total payments {$4700.00} Annual rebate is 169.86 % Company located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Il XXXX Is that legal to charge Over 160 % on a personal loan in California? 
I used this company 3x and felt that they were overcharging me on The interest rate I am a residence of Ca any max set rate for state for CA? 
Thanks you! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

CMS did not address inaccurate credit reporting. I do not have an open mortgage account with Carrington Mortgage Services as of XXXX The account last activity is not XX/XX/XXXX but XX/XX/XXXX. The account does not have a past due amount but has a XXXX balanace. The amount status is not 31-60 days past due but Pays-As-Agreed. The account is not open but is Closed. The account does not have a balance but is PAID OFF. The Account Status should be Pays As Agreed on XX/XX/XXXX, XX/XX/XXXX, and Paid Off/Closed XX/XX/XXXX. However, CMS did not address any of the original complaint listed above and in the original complaint. The company keeps updating Account Comments on the account in my credit reporting without updating Account Status and Account Last Activity. The company has not updated Account information since XX/XX/XXXX and refuses to addresses these issues after I have called and spoken with several CMS representatives on several occasions. One CMS representative said " We show your account as 'Paid Off '. It is strange why we did not send an update to the credit reporting agencies to update your account. '' Hence, the numerous XXXX complaints. I tried to address this with the company before filing complaints with XXXX, XXXX, and XXXX. The company failed to resolve.
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2022-05-03
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. (TX)

After reviewing my XXXX, Experian and XXXX XXXX XXXX, I noticed Inquiries I do not authorize nor recall granting written authorization ( s ). Please investigate to see if accounts : XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX ******Please make certain you have Perfect True Correct Verified Validated Claims of contract showing my wet ink signature, if not, and you find deficiencies with mentioned accounts please delete immediately. Thank you
Consumer complaint received 2022-05-03
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. (TN)

In accordance with the fair credit reporting act XXXX  Account # 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 has violated my rights. 

15 U.S.C 1681Section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2. It also states consumer reporting agency Can not furnish my account without my written instructions