davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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: EQUIFAX, INC. (KS)

In mid XXXX, we sent credit investigation requests to Equifax and XXXX. We have yet to receive the results of those investigations and it has been longer than 30 days.
Consumer complaint received 2023-07-19
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: BTH Management (TX)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. The balance on my credit report is not the same balance I have with the original creditor. Furthermore, I was never sent correspondence notifying me that this account was sold to Plaza Services which is another violation. This account was added between XX/XX/XXXX and XX/XX/XXXX which I will attach the screenshot showing this. I received nothing in the mail leading up to this collection being reported. According to the FDCPA Im entitled to XXXX dollars per violation. I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.
Consumer complaint received 2019-06-17
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: HUNTINGTON NATIONAL BANK, THE (MO)

My online banking sent checks to Huntington. They cashed the check in XX/XX/2019 and lost the check inXX/XX/2019. XXXX  XXXX XXXX ( my checking account bank ) re-sent the check for XX/XX/XXXX and they did cash that one. They are still saying that they never received either and have reported me as 30 days late on my RV loan. I have never missed a payment EVER. They misplaced one check completely, and failed to account correctly for another. I have been in touch with them for over two weeks and they just notified me that they feel they are correct. They are wrong, I supplied them a copy of the cancelled check from XX/XX/XXXX in support of my argument.
Consumer complaint received 2019-06-17
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. (AZ)

Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX XXXX, above, this item was responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT was HIS responsibility as he was fully responsible for my medical bills until final divorce, which was XX/XX/XXXX, XXXX proof attached ). This operation was preformed XX/XX/XXXX. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2020-12-10
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: DISCOVER BANK (TX)

Discover Bank received my IRA transfer on XXXX XXXX 2020. The same day they received my wife 's. 

My wife received the promised interest rate of .60 % while I received a rate of .50 %. 

I have documented that both transfer checks were received same day but mine was delayed for 3 days.
Consumer complaint received 2019-06-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Tower Loan of Mississippi, Inc. (AL)

I am not a current customer and have asked Tower Loan on several occasions to remove me from their mailing list but I am still getting offers. Please remove me from your mailing list like you say you have every time I've called with this request.
Consumer complaint received 2019-06-17
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Mortgage Research Center, LLC (MD)

To Whom It May Concern : We recently sold a house. Our settlement was supposed to have been XX/XX/XXXX but due to the gross negligence of the mortgage lender for the buyer of our house, our settlement ended up being pushed to XX/XX/XXXX. We did not become aware of the need to push the settlement one day until the afternoon of XX/XX/XXXX. Because of this last minute change, we incurred substantial out of pocket expenses totaling {$840.00} ( boarding charges for pets, storage of items on moving trucks, lost wages, and costs for temporary internet coverage to support home based business ). It came to our attention that the mortgage lender had the wrong settlement date in the file which caused this delay. I reached out to the mortgage lender on XX/XX/XXXX asking for reimbursement of these expenses but he is denying responsibility.

Our real estate agents were assured Tuesday XX/XX/XXXX afternoon everything was on track and that they were only missing a couple pieces of information. It was not until noon on XX/XX/XXXX that my real estate agents finally called XXXX  after not hearing from him and he informed them that settlement was being pushed a day.

The mortgage lender that worked on this file was XXXX XXXX.
Consumer complaint received 2016-11-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GOLD KEY CREDIT, INC. (FL)

This is a workmans comp the XXXX was due to a XXXX ... a result of a XXXX. XXXX # XXXX .... ( XXXX ) authorization # XXXX ... .an investigation with the FTC will step in if the matter is not resolved.
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (NV)

I have XXXX XXXX XXXX the beneficiary have tendered a payment thereto XXXX for a debt that has not been verified nor validated. I have requested information and FOIA freedom of information act request for private information and personal information from XXXX concerning the alleged account. I have received multiple letters saying they the Credit agencies such as XXXX, Experian, XXXX   etc, .. If there is no account please delete all alleged account information concerning the fraudulent account.
Consumer complaint received 2019-06-17
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. (AZ)

Have written to Transunion, XXXX  and XXXX  3 times in regards to XXXX XXXX ( as well as several other issues on my credit report ). Transunion took over 2 months to reply. Have not received much communication from XXXX  nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2016 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Consumer complaint received 2019-06-17
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. (TX)

I was a victim of identity theft and I made sure to inform all credit bureaus and add a statement that no credit should be obtained till I get a phone call. I also submitted a copy of a police report and FTC report. All major credit bureaus helped deleting inaccurate information except EQUIFAX. They made this process impossible and after a few disputes, the process is always verified and nothing can be done to make them really reinvestigate.
Consumer complaint received 2024-06-03
Product: Credit 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: BARCLAYS BANK DELAWARE (SC)

Barclay 's bank has a {$6500.00} fraud charge on my card. 
After I made my last payment on the credit card for XXXX, Barclay 's decided to add 2 new charges for {$1000.00} each- totaling {$2000.00}. Barclays said this is from the same company, XXXX, that stole the other {$6500.00}. These are double charges. Double charges they gave back to me after complaining for 3 months!!! Why did they do this? 
Even the company XXXX emailed Barclays Criminal Subpoena email address and said they took {$6500.00} not {$8500.00}. They have also charged me interest. 

Mastercard  Corporate Arbitration informed me I am 100 % protected and am not responsible for the fraud charges, so when I do not pay for any of this, Barclays can not ruin my perfect credit score.

But Barclay 's should be in very big trouble for continuing to double charge me fraud charges!
Consumer complaint received 2023-07-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC. (TX)

I pulled my credit report on XX/XX/23 due to a XXXX point decrease in my FICO. I learned there was a collection placed for {$2000.00} from a collection agency XXXX XXXX XXXX in XXXX, Ga who purchased the debt from CASHNET USA. 
I tried to dispute it the same day and XXXX sent a finished investigation today stating its accurate. 
I contacted XXXX XXXX and XXXX XXXX sent me the original application but it doesnt have the actual checking account number listed, a signature not drivers license listed. They sent the IP came from XXXX Tx which Ive never resided. Ive put a fraud alert on my account for a year and froze my account. 
This person used my previous apartment address with my old employers phone number from 12 years ago for contact info. Also, the email they used was XXXX which isnt mine. It looks like the original payday loan was for {$800.00} and the interest has accrued to now {$2000.00}. 
I feel like Im going in circles trying to access the original application. I also filed a identity theft report. Im not going to file a police report today as well.
Consumer complaint received 2019-06-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I am a payee for a young lady from my church for her social security payments. We opened an account at the local bank and establishedeverything they asked for. After opening the account it was set up as direct deposit from social security. Everything was fine until we did not receive her XXXX check and it was of direct deposited. When we went to Social Security we found out that the bank closed the account without my knowledge of consent and transferred the money that was in the account to another account under another name. Can the bank do that and I was not there and close the account. Now we can not cash the XXXX check because the account is closed.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. My DOB XXXX and my SS XXXX. I am filing a complaint due to the following information below. I am requesting that the credit reporting agencies promptly remove/delete these addresses they are not accurate : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2019-06-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group (FL)

XXXX XXXX is the company. They have done repeated phone calls to family members and friends. Will not stop calling. Will not remove incorrect numbers. Will not provide info so hiding information. Need them to STOP and CEASE calling my family, friends, and myself.
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

- Chapter 7 Bankruptcy XXXX
Consumer complaint received 2019-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (TN)

I have sent them the 609 letter requesting that they send me documentation of my contract with my signature. None of the credit agencies have responded and its been 30 days they have to show proof. I was never notified of my car being repoed.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

This is the second complaint I have filed against XXXX. 

I am a full XXXX XXXX XXXX class member. As a full XXXX XXXX XXXX class member who is in the the automatic discharge group. I was due total and complete relief by a federally imposed deadline. Please know what I just said a federally imposed court deadline of XX/XX/XXXX. This is not my deadline. This was a deadline that was imposed by a federal court. This is verifiable by legal documentation I am enclosing with this complaint. Full relief entails discharge of all of my student loans, removal of all student loan data from my credit reports, and refund of all monies paid to any service or including prior service servicers at the time of this writing, XXXX has done nothing. In fact, XXXX has fought my complaints. And verified information to the credit bureaus after the relief deadline in blatant violation of the settlement Furthermore, they have updated my student loan balance with interest increases after the settlement deadline. They are destroying my credit. In fact yesterday my XXXX XXXX score dropped XXXX points Soley because of the interest increase on the student loan they are not supposed to be reporting. They must remove these accounts from my credit report. There is nothing to discuss. There is nothing to debate. They have no discussion they have no excuse. There is nothing up for debate. I am a full class member I have proof I am a full class member I have the settlement documents. There is nothing to discuss. They were required by XXXX XXXX to remove these accounts they failed to do so. I am demanding you get involved you force them to remove these accounts. From my credit report, because they are reporting them in violation of the law to my detriment. This is unethical. 
As they knew, I was a XXXX XXXX XXXX member as they put me in for a XXXX as a result of this settlement. They were aware of the deadline and chose to ignore it. Furthermore, I have received a federal job offer. This job, Offer requires a background investigation. This background investigation requires a credit check. The erroneous information XXXX is reporting causes me to appear as a liability. XXXX may cause me to fail this investigation. They have been aware of this for months because I informed them of writing of the possibility I may receive this job offer. I received the offer on XX/XX/XXXX. The harm I am suffering is no longer speculative. Its real. Its present. You must uphold the law you must force them to remove this information. They were required to remove these loans from my credit report by XX/XX/XXXX. They failed to do so. There is nothing else to discuss. I am not subject to any other lawsuits currently pending or surrounding borrower defense they can not use that as an excuse. XXXX XXXX XXXX is a settled federal lawsuit. I have attached the full text of the lawsuit as well as my notice. Thank you.
Consumer complaint received 2019-04-14
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. (FL)

TransUnion has been improperly reporting an account from XXXX XXXX XXXX XXXX  on my credit report for the past two months. TU reports it as delinquent with a current balance ; XXXX and XXXX   report it correctly. The account was included in my bankruptcy and discharged ( see attached complaint and documentation ). I called TransUnion multiple times, sent them letters, used their online dispute process to no avail. Please help. 

All information is in the attached documentation. Please call me at XXXX or email me at XXXX to confirm receipt and update me. 

Thank you!
Consumer complaint received 2019-04-18
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. (FL)

I HAVE INFORMATION ON MY REPORT THAT DOES NOT BELONG TO ME. AS FOLLOWS : 2 FALSE HARD INQUIRIES FROM XXXX 1 FRAUDULENT COLLECTIONS ACCOUNT # XXXX FROM AN UNKNOWN COLLECTOR AND 4 2 FALSE HARD INQUIRIES FROM EQUIFAX
Consumer complaint received 2019-06-18
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. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX  XXXX
Consumer complaint received 2019-06-18
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. (NV)

A letter of XX/XX/2019 was sent to experian disputing the court name of a public record. The name listed in my credit file is not the legal name of the court. I provided verification of the court 's legal name. Experian replied they need information from me to verify myself. I included the consumer report number which is in their database. This report number is the one they provided to me with my credit file which had been previously requested by from them. I already identified myself when I requested my credit file. The address they mailed this request has the wrong street name but the post office delivered it to me. 
I included with my letter of XX/XX/XXXX, other years their office incorrectly reporting the court 's name in my credit file.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (CA)

First, off the company claims they did not receive a completed loan package, lied about not having a sale date. Spoke CSR, said no sale just complete the package by the XXXX, it was completed and emailed and faxed, on the XXXX..They were just buying time to exhaust all options to save home because the door was tagged the next day.
Consumer complaint received 2022-09-02
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: EQUIFAX, INC. (AL)

In accordance with the Fair Credit Reporting act Account, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-06-18
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. (CA)

I refer to the attached TransUnion Investigation Results File # XXXX dated XX/XX/18. California Fed Court XXXX Docket # XXXX. See attachment 01. Also enclosed is Withdrawal/ Dismissal of case. See attachment 02.

Please note you do not have the authority to report this type of information as mandated by Law. The Law is clear, a Withdrawn and/or Dismissed Bankruptcy application is not a reportable case by the Credit Bureaus.

This is my final attempt to contact you regarding this issue. I would like to put on record should you refuse to remove this Withdrawn Bankruptcy report from your Credit Reporting data you are in direct violation of the following ; 1 ) Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1.

2 ) Title 15 U.S. Code 1681i, Paragraph 5.A To protect my interest, I reserve the right to file a lawsuit against you and claim all damages you have incurred as a result of this negligence.

Your response within 14 calendar days upon receipt of this letter is greatly appreciated.