davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-20
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. (TX)

The following accounts : XXXX XXXX ( XXXX ), XXXX XXXX  ( XXXX ), XXXX ( XXXX ) are being reported inaccurately on my XXXX, XXXX and Transunion credit reports which has caused financial distress and is against the law. I've asked several times for the accounts to be verified including all documentation guaranteed by law. The Credit bureaus stated the accounts were properly investigated, but how is that possible if on every single account without exception the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. If all these pieces of information are coming from the same creditor ( s ) why is the information each bureau is reporting different from the other? How could the information come back different if a proper investigation was done? If a proper investigation was done, why was I not sent the signatured documentation used to verify the information including how they contacted the creditor ( s )? This is grounds for immediate removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also, the Credit bureaus took more than 30 days to complete my investigation and more than 15 days to send all corresponding documentation, here is my certified mail tracking numbers for all letters of inquiry # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX As you can see, I sent multiple disputes in regards this issue ( s ). I have given the credit bureaus enough time to prepare all the documents to prove these accounts but they have failed to do so. By the law, they are required to remove these inaccurate items from my credit report ( s ).
Consumer complaint received 2022-03-08
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. (CA)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX is complaint. 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 2023-01-27
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)

This is my NUMEROUS request 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 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Consumer complaint received 2022-03-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

You broke the law and are in violation!!! I have enclosed all documents which includes ( Previous CFPB complaint, copy of my drivers license, identity theft report, & statement with instructions ). ( Please see attachments )
Consumer complaint received 2022-03-08
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)

I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. This is a strict violation of FCRA Laws section 605b, they should be blocking or removing these from my report. 

XXXX BANK XXXX, XXXX CARD XXXX, CALIFORNIA XXXX XXXX XXXX
Consumer complaint received 2018-05-25
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (WA)

I applied for a loan of XXXX , but it wasn't entirely clear what the fees were until after I received the funds. I received a call, and the caller hastily went over the agreement which made it difficult for me to entirely understand what the fees were. 

On their website, my profile states that I have a monthly income of XXXX . They never requested a paystub or any kind of proof of income. I earn XXXX $ Bi-weekly and don't know how they came up with this number. I do not have the ability to pay back this loan with my current income. 

I would like to know what my options are and would greatly appreciate assistance with this.
Consumer complaint received 2022-06-20
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 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-03-04
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. (WI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report.

Failure to do so is a violation of my rights.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Santander Consumer USA Holdings Inc. (VA)

I've deposited {$1000.00} for a new vehicle purchase at XXXX XXXX XXXX in XXXX, VA as the dealership doesn't have in stock vehicles for the model of the minivan that I was looking to buy. I've presented a {$1000.00} cash allowance bonus credit email offer received from Chrysler corporation, which did not mentioned in any of the terms and conditions that the cash allowance bonus credit needs to be used only for a XXXX model vehicle. The same was not validated by the sales person/manager when my vehicle order was confirmed in XX/XX/XXXX. At the time of my minivan delivery in XX/XX/XXXX, the dealership denied the cash allowance bonus credit as their internal system showed that it's valid only for XXXX model, which I was not informed earlier. The sales person told me they would contact Chrysler corporation and make sure the check is sent from Chrysler and they've charge me {$1000.00} more than I was told. I've emailed since then to the XXXX XXXX XXXX who have ignored the same. I've stopped by the dealership and asked the same sales person and they've now changed their words and told they can not help. Chrysler corporation customer service has also said they can't accept the credit voucher as it's for XXXX model even though no where is that mentioned in the offer. There were no XXXX model vehicles in XX/XX/XXXX and I had to order a XXXX model per dealership suggestion. 
My numerous attempts to get the offer accepted from both Chrysler corporation and XXXX XXXX XXXX have gone in vain.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent. Please rectify this error, and I have provided supporting documentation for your verification.
Consumer complaint received 2018-05-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

XXXX XXXX consistently sends me offers in the mail to apply for their credit card ( partnered through CHASE ). Each offer shows an amount of new bonus miles that can be accrued if we fulfill the purchase obligations within a specified timeline. The nature of this offer was the most prominent part of the credit card offer. 

In XX/XX/XXXX I received such an offer, which clearly stated an offer number specific to my name and Southwest Rewards number. It also clearly stated a deadline for the offer to be valid. I applied, and when I was sent my card and approval Terms & Conditions, there was NO mention of the original offer of bonus miles. I called both XXXX and CHASE to request written confirmation of the bonus miles, and neither side could provide it. XXXX even stated that I didn't qualify for this offer at all, which was totally incorrect as the letter sent to me stated I did. 

Neither XXXX or CHASE would confirm the initial offer and neither would take any responsibility for ensuring the original offer of bonus miles would be attached to this card. I spent 2-3 days via calls and electronic communication and the further I went, the more suspicious and misleading it got. 

I ultimately elected not to activate the card and terminated the account.
Consumer complaint received 2018-10-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (LA)

I have had a very difficult time with Wells Fargo. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Wells Fargo always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time getting any assistance with any employee at Wells Fargo.

I lost my job for 6 months but am back to work full time, and can afford my mortgage. I applied for a modification and Wells Fargo denied me saying they do not want to help with a modification. I have never been approved for a modification in the past, and my income can support the mortgage payment.
Consumer complaint received 2020-02-04
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. (FL)

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$4500.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and should be reporting a {$0.00} balance. I have attached a copy of the Note Balance History for your reference. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UNITED STATES MINOR OUTLYING ISLANDS)

Ic systems is trying to collect a debt I do not owe for XXXX XXXX. This debt is not mine and I have never had XXXX XXXX. IC Systems did not send my any letters concerning this debt. I seen this debt on my credit report.
Consumer complaint received 2021-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

Why you are taking this unreasonable poisition re my account is a mystery to me. I have an excellent payment history prior to the pandemic. Why don't you take this into account? 
Again for the record you are not responding to the main issue. I was never told that closing my account was a permanent thing and that it could not be reopened once the account was brought current. 
As I noted in my last complaint, there is also no mention of this detail in all your fine print account information. You failed to address this glaring fact. 

I have had this same " closed account issue '' issue wsth other credit card companies and they have allowed the account to be reopened because I made a best good faith effort to bring my accounts current in a very challenging economic time. 

So your company decision not to return my best good faith efforts is heavy handed and a bad faith personal choice that does not respond to a best fatih effort to open my account. 

This needs to be highlighted to the credit community as a whole. 

Your second decison to not provide a new account because of economic criteria caused by the pandemic, which was your only option to reopen my account provided, shows equal usury and contemptious behavior on your part. 

So I am formally informing you that I am unable to make my monthly minimum payments and you will have to enroll me in a payment plan that allows me to make minimu payments of {$35.00}. 

If you choose not to enroll me in a payment plan and demand continued minimum monthly payments and follow up with any type of harassment charge off credit reporting or collection actions. The economic consequences will be dire! 

I am also doing the initial research for filing a small claims action againt FNBO in CA for unfair business practices, usury behavior and economic damages. 

This can all be avoided my simply doing the right thing. So I emplore you, Do The Right Thing!
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY 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 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

After paying off ( not closing ) a  credit card, my credit score dropped XXXX points. I got a low interest loan to payoff this high interest credit card. Once the loan was reported my credit went up XXXX points but as soon as I paid off the credit card, my credit dropped XXXX points. This credit scoring doesn't make any common sense. The credit bureau will not give you an explanation, they claim that they are not allowed by law. So they can affect my credit negatively and they don't have to explain why? where are the consumers rights? The way it looks is that the credits reporting is geared to the financial institutions benefits not the consumer. If I pay off a credit card, that is good for the consumer but bad for the financial institution, this needs to change. The credit bureaus are so arrogant because they know they have a monopoly.
Consumer complaint received 2018-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon receiving recent notices that I've been the victim of identify fraud, I started retrieving and reviewing my credit reports for errors. As such, I've noticed a few items that are completely incorrect in their status reporting or they are simply not mine. These have been previously requested to be disputed and either no response was provided andor no action was take as I've been told that the information was previously investigated. 

The credit item in question that's presently reporting as Paid Collections under the name XXXX. This item is reporting on all three of my reports. 

Then something called XXXX XXXX XXXX is reporting only on my XXXX report.
Consumer complaint received 2018-10-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX I contacted a seller by the name of XXXX XXXX that was selling tickets to the drake concert for XX/XX/XXXX. He requested I send him the payment through XXXX pay through my bank ( Wells Fargo and then he would transfer the tickets to me through XXXX. Once I sent the money the seller never answered my text messages or phone calls. I called Wells Fargo right away and they said they were not able to help me in anyway. They wouldnt even contact the other bank institution for me and try to reverse the charge. The amount was for {$220.00}.
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was in a bad auto accident in XX/XX/2022. My car was totaled and I was immediately rushed to the hospital XXXX XXXX My car was towed and kept there until insurance became the owner. Capital 1 was notified of the situation and that it was totaled and my loan would be getting paid off. However until that happened my loan showed delinquent for months until being paid off. This reporting has caused damages to my report resulting in my score dropping and me being denied rental applications to XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CO)

Discovered an auto loan account in my Experian credit report being handled by XXXX ( XX/XX/XXXX ). I called XXXX ( XX/XX/XXXX ) to inquire about the account, but they were unable to locate an account with my personal information ( SSN, Address, Name, DOB, Phone Number ). This occurred on multiple occasions ( XX/XX/XXXX, XXXX ). I also filed a dispute with Experian ( XX/XX/XXXX ) to have the account removed. The dispute results ( XX/XX/XXXX ) were provided and XXXX reported that the account did in fact belong to me. Again, I called XXXX and they are not able to find an account number associated with my personal information. I then called Experian ( XX/XX/XXXX ) and uncovered that there are several addresses, an employer, phone number, and name ( similar to mine but with a hyphenated last name ) tied to me. They were able to remove one of the addresses, employer, and telephone number, but not the auto loan account and name ( with identification number ) that is not mine. It seems the second address, auto loan account, and name ( hyphenated ) are tied together. Experian acknowledged via phone call that the information being disputed is not mine, but refused to remove the information since XXXX asserted the information belonged to me. XXXX is also reporting my name is different via an email I received from them on XX/XX/XXXX asking for my SSN and copy of credit report. I did not respond as they should be requesting the information through Experian and not be contacting me directly. I feel I am a victim of fraud and request a thorough investigation be completed on XXXX and to have the information removed from my credit report. I also plan to file a fraud report with the local authorities. 
I have since received two responses from Experian, an interim on XXXX XX/XX/XXXX to allow more time and then a company response on XXXX XX/XX/XXXX. The response provided was inaccurate and did not resolve the issue. It only created more of a concern as XXXX reported the information as not a match on XXXX XX/XX/XXXX ( please see attached document ) and Experian was not capturing the information accurately ( similar, but not a match ). Experian also references a result summary sent XXXX XX/XX/XXXX but no result summary dated in XX/XX/XXXX has been received as of XXXX XX/XX/XXXX via separate correspondence or through the CFPB site. What does Experian plan to do to correct the inaccuracy in their records and remove this account from my credit history? Has the correction XXXX references in their response been received by Experian?
Consumer complaint received 2022-03-08
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 (GA)

Several accounts are inaccurately reported on my XXXX report. The XXXX XXXX XXXX was already removed from the other credit bureaus as well as the XXXX report. It was removed on XX/XX/2021 but reappeared on my credit report in XX/XX/2021, which has led to much emotional and financial stress when trying to use my credit for personal and business reasons. I completely paid and closed the XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX it inaccurately reports that I owe {XXXX now. Last week, it did not report that account or amount. I never owed a charge-off of XXXX at Regions and they never told me that I owed anything or charged-off any amount. I have ten inquiries on this report and submitted my FTC report showing I did not inquire about XXXX, XXXX XXXX, US Dpt of Education, and XXXX XXXX, XXXX XXXX. I also contacted the XXXX  and Attorney General 's Office as well as contacted each company with legal documentation requesting the accounts be removed from my account for violating multiple FCRA violations. Documentation is attached.