davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ). 

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity ThefXXXX XXXX Account Number : XXXX XXXX. Identity Theft XXXX  Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX  A Account Number : XXXX
Consumer complaint received 2022-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

According to XXXX XXXX Black Market Website Surveillance & Alias Watch, these names and addresses have been used, which could have been due a data breach. 

My name is XXXX XXXX XXXX My address is XXXX XXXX XXXX XXXX, GA XXXX Any other addresses must be deleted. I have not lived at any other address listed on my credit reports. 

There should be NO OTHER alias names or mispelling of my names. 

There should be NO employment. 

I have provided 1-Valid social security card and 1 Current address.
Consumer complaint received 2019-10-23
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. (LA)

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 ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX**,
Consumer complaint received 2022-12-05
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. (GA)

On or around XX/XX/XXXX, I sent via certified mail a letter and police report stating I had become a victim of identity theft. Pursuant to section 605B of the Fair Credit Reporting Act I requested these items be BLOCKED. My request was ignored and the following items remain on my credit report. I received an updated credit report stating " the disputed information was Verified as Accurate.. ''. However, pursuant to section 609A1A of the Fair Credit Reporting Act, the reporting agency DID NOT provided any supporting documentation showing proof that the reported items actually belongs to me. 

I sent a subsequent letter on via certified mail ( XXXX XXXX XXXX XXXX XXXX ) on or around XX/XX/XXXX stating the same and once again, my requests were ignored. 

Attached is a copy of the following : - Sent identity theft reports The following fradulent accounts STIL REMAIN on my credit reports furnished by Transunion, XXXX and XXXX. 

TransUnion 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 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 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 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 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
Consumer complaint received 2022-01-29
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: Experian Information Solutions Inc. (IL)

You violated the united states code law 15 U.S. Code 1681b -Permissible purposes of consumer reports ( b ) Conditions for furnishing and using reports for employment purposes.
Consumer complaint received 2018-06-28
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Nudge Funding, LLC (OR)

On XX/XX/18 We received documents from Box Home Loans cause we were working on an offer to refinance. When he sent the documents he disclosed the amount we were getting, interest, APR and cash in hand. XXXX XXXX did not disclose that we would have to pay XXXX if we decided to not go through with the proposed offer. I had my current mortgage loan carrier review it and she found there is a lock cancellation fee in the documents. She suggested I contact you guys because she has never heard of any company charging to not take their services and feels it is wrong. We decided to stay with XXXX because they offered us a better refinance deal. 
My current mortgage loan is through XXXX and the main person we go through is XXXX XXXX, XXXX. 
The other loan company we were talking to is XXXX XXXX phone number is XXXX, XXXX.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Unable to have Experian, XXXX, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XX/XX/XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.
Consumer complaint received 2017-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Unable to have XXXX, Equifax, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XXXX XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc. (NY)

Southern Management XXXX located at XXXX XXXX XXXX XXXX florida XXXX -- They are stating i owe an amount of money but cant prove it, i tried to negotiate with them but they are mean rude and hang up the phone with immature statements like " im not going to do this '' " uh oh i dont take attitude '' and a bunch of other silly comments that result in hangups thus making it impossible to get to the bottom of the collection issue. I have asked them for proof of debt for 7 months and they say check your credit report which they damaged, it is the only debt in collection that i have. I practically beg for proof of debt, apparently the debt is owed to a business that is now defunct. Please help get to the bottom of the abuse.
Consumer complaint received 2020-02-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NY)

Google pay has no refund policy on scamsters. I told Google just 5mins. from the transaction message. They have not helped me at all. They have been going in loops. Now they want me to get the money back from some scamster. I don't even know. I need full refund. I would never ever recommend anyone to Google pay.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Went to purchase vehicle at XXXX XXXX XXXX XX/XX/XXXX and loan denied without cosigner. XXXXXXXX XXXX  refuses to clear off credit report and XXXX XXXX will not return the car, which was a lemon, and wrecked on XX/XX/XXXX. Supposed to be repaired. Veros wont do anything although they made me file fraud report
Consumer complaint received 2022-12-05
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.
15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I received a text message from the Chase Fraud prevention department asking if I had authorized a transaction for {$230.00} and I replied no. Immediately I received a call from the fraud prevention department telling me that they had successfully stop the transaction prior to it going through. On XX/XX/XXXX the transaction posted on my account. I called to make a claim, they told me that my card shouldve been canceled to prevent this fraudulent transaction. They gave me a phone number for the merchant that was an invalid number. I tried to XXXX the company but was unsuccessful in reaching anyone. Days later I received 7 exact creams that seemed to be packed in a house with no return address, phone number, or any contact info for company. I reported this to chase as well. I have these creams exactly as they arrived in case they made contact with merchant and wanted me to return. I received a letter from chase stating they had found transaction valid and would be withdrawing the monies from my account. I called and basically was informed by chase that they have labeled my claim as a fraudulent claim after I reported this was not an authorized transaction 5 days prior to it posting. Representative and supervisor refused to transfer me to a manager. I feel chase has violated by consumer rights. They are penalizing me for there failure to act appropriately and timely. If they would have canceled my card on XX/XX/XXXX all this would have been avoided. I believe that my information might of been hacked into and Chases failure to act has caused this. Initially Chase stated the transaction/merchant is XXXX XXXX - default which is what shows on my bank transaction. The creams have a label for XXXX. Today when I contacted chase they refused to give me the merchant information that they claim to have contacted to verify the validity of the transaction and after a long discussion the Supervisor only gave the the name of XXXX  as a merchant which is completely different than what was posted on my account. I feel violated and insulted by the remark by Chase that I submitted a fraudulent claim. My complain is against Chase and against those companies that are committing Fraud and obviously hacking into accounts to take people money. I would also like to pursue legal action against Chase and that company. Not sure if you can provide me with guidance on what to do next. In advance, thank you for your assistance.
Consumer complaint received 2019-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX I got this secured credit card. I had some legal issues and was unable to pay it. Once I got back on my feet In XX/XX/XXXX I called Wells Fargo to get the account fixed. The person I spoke to said they would delete it from my credit report if I paid. I paid the full amount, I did not try and pay less. Now Its still on my XXXX report a year later and its the only thing thats really impacting my score. I have tried repeatedly to get them to delete it and they refused yet I did what we agreed on the phone. They also kept all money that was used to secure the initial credit line. 

It's also effecting my ability to get other Wells Fargo cards as I now have a 680-720 credit score ( lower is because of this )
Consumer complaint received 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Motolease, LLC (TX)

XX/XX/XXXX I received an email about a rewards program that Motolease ( this is the company that I have lease with ) mentioned that I could earn rewards based on my on time monthly payments. One option is that if I got XXXX points I could get my lease repriced. ( The company had given me points for my previous on-time payments that were made prior to the rewards program so I got my points a year later ) XX/XX/XXXX is when I hit my XXXX points. I called Motolease that same day requesting that I use my rewards to get my lease repriced. 
On XX/XX/XXXX I got an email from Motolease stating to sign my new repriced lease. The repriced lease resulted into me having a new account number and a new payment date of XXXX of every month. My reprice lease amount at the time of switching from the old account to the new account was {$7700.00} with a payment amount of {$280.00}. 
When XX/XX/XXXX came I notice that my auto debit payment hadn't been taken out of my account so I called Motolease to make a payment which I was instructed to make a payment on my new account since the old account is closed.I also mentioned to the rep that I was getting calls about the payment being late on the old account and if I should a payment on the old account and I was told no that any calls or emails that I receive I should ignore because it is computer generated.I asked will it effect my credit and I was also told no because I am making a payment on the new account and that she will make notes on old account that I am now making payments on my new account. 
On XX/XX/XXXX I made my second payment on my new lease account over the phone with Motolease. 
On XX/XX/XXXX I made my third payment on my new lease account over the phone with Motolease. 
Another issue is when Motolease closed my old account they reported that I missed XXXX and XXXX payment but made notes that my credit report that my last payment was XX/XX/XXXX. 
But on XX/XX/XXXX Motolease also reported on my credit report that my account is closed with " FULL TERMINATION : OBLIGATION SATISFIED '' Now on my new account Motolease is reporting on my credit report that I am 30-59 days late but also has that I am in good standing with my account. ( How confusing is that? ) And also, XX/XX/XXXX Motolease updated my account from being 33 % late to 100 % late after I disputed the inaccuracy through XXXX on my new account. 
Then on XX/XX/XXXX Motolease came back and stated on my credit report that I went from 100 % on time payments to 67 % on time payments on my old account. 
This has been a mess from the time that I got my lease repriced to currently.
Consumer complaint received 2019-01-09
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: ENCORE CAPITAL GROUP INC. (NV)

I am a consumer that is informed to the federal guidelines that credit reporting agencies MUST abide by when dealing with the consumer. I have tried repeatedly to resolve inaccuracies on my personal credit report. I have asked, according to what the law says I'm able to receive for the credit reporting agencies to provide me with " validated proof '' that some debts I'm questioning are mine. After several requests, I have neither received the proper validation of deletion that I should receive ACCORDING TO THE LAW. The credit reporting agency seems to be using computers process my requests. How is this possible, if I'm asking for wet ink proof with my signature on a contract between me and that company.
Consumer complaint received 2021-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (UT)

I received a letter about refinancing my home, I called in around the first of XX/XX/2021 to see what rates they had, the rate I have is better so we decided not to. When the Pennymac agent asked me why I wanted to refinance I advised it was to get the mortgage insurance off the account. He sed that due to the Loan to Value ( LTV ) of my home and the market I would be able to get that removed after my next payment. 

I called in again on XX/XX/2021 to start this process and was told no. 

After escalating to a supervisor ( XXXX XXXX EXT - XXXX ) I asked to submit a Unfair, Deceptive, Acts, and Practices ( UDAP ) case she sed she would review the call and give me a call back with her findings. 

I called again on XX/XX/2021 to talk to XXXX and was unable to get though so I escalated again to ( XXXX ) and was again told I would get a call back and never did.
Consumer complaint received 2020-02-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (MN)

Citi once again you failed to indicate on the credit reports that XXXX is now the official debt handler Federal law require all creditors anytime that a placement or purchase has taking place it is a requirement By law its a federal law! I have sent you proof That its not reporting by law you have to remove this account from all credit files for failure to indicate on the credit report.
Consumer complaint received 2019-07-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services (OR)

My name is XXXX XXXX I was contacted by telephone by an agent of Inbox Loans saying that I had been chosen and approved for a loan of {$5000.00} dollars. I was explained that such a loan would help me raise my credit history. I went ahead and filled out their application online. I spoke with a man named " XXXX '' who understood my XXXX. I was then told that the loan amount I was approved for was {$500.00} dollars. The amount which they asked for in interest shocked me and I did not wish to go through with their proposal. At the agents insistence I was then explained that if I accepted a loan in the amount of {$200.00} dollars my interest payment would be {$45.00} dollars, and that my payment would be {$240.00} due within 90 days. I was explained that this would help my credit score rise. I was explained that I could start off at {$200.00} dollars at the above interest and then in time qualify for a larger loan about 1 year later. I was explained that the term of the loan would be 90 days. I agreed. 

My first payment was at an interest rate of {$60.00} dollars and the contract had been put through for 1 year, not the original 90 days. The company began deducting payments from my bank. I called them to explain that no such agreement was what I agreed to and that they had recorded my calls and therefore should review the calls to see that the error was theirs. Thus began the odyssey of unreturned calls, charges which continually exceed the time frame and interest rate I agreed to. To date the company does not return calls. I have left multiple calls and none have been returned. I have sent them emails and none have been answered. They have damaged by credit file and have extorted money from me under false pretenses. I am asking for assistance in this matter as I speak XXXX  and feel that no one can help me. The company does not respond. It doesn't seem to be a legitimate enterprise and I am very worried.