davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-21
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. (VA)

Im submitting a complaint against TransUnion regarding failure to investigate. Per the email I received from CFPB Headquarters I was advised to submit another complaint before Im scheduled for my walk in appointment next Wednesday in DC. I have submitted multiple disputes with TransUnion regarding this fraudulent account on my credit file. TransUnion has told me several times that they only rely on whatever the creditors tell them and dont investigate beyond that. I am a victim of identity theft and the fraudulent medical bill on my account does not belong to me. TransUnion has refused to conduct an investigation. They just update the date on my credit report and type in Meets FCRA requirements as an attempt to pretend like they are investigating. I have requested a contract with my signature on it and proof that this fraud medical bill belongs to me. They have not been able to provide me anything and continues to rely on the false information that they are getting from XXXX XXXX. The willful and intentional negligence has been ongoing and TransUnion has failed to follow FCRA guidelines. The XXXX XXXX XXXX response from Transunion specially says they rely on whatever the creditor says. Documentation sent via email along with everything that Ive been thru since becoming a victim of Identity theft and how Transunion has failed to correct the fraudulent information and willfully neglected to do their job.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (TX)

have a XXXX XXXX financed through GM Financial. We have a series of 30 day lates in XX/XX/XXXX stemming from Hurricane Harvey, but have made on-time payments from XX/XX/XXXX to present. Below is a history of my attempts to have information reported accurately, and their response : XX/XX/XXXX : I sent the CEO an email asking for deletion of reporting errors stemming from XX/XX/XXXX. 



XX/XX/XXXX : CSR contacted me RE email and stated they reported late, and wouldnt change anything. I advised that practice was illegal per the FCRA, but he insisted it was their company policy. 



XX/XX/XXXX : Initial call with GM Financial AVP Customer Experience named XXXX XX/XX/XXXX : XXXX stated she would send us a letter stating that our XXXX and XX/XX/XXXX payments were made on time. She would reach out to us next Tuesday XX/XX/XXXX : XXXX stated that said letter would have to come from legal. 



XX/XX/XXXX : XXXX XXXX : XXXX stated on a call that she was unclear if the call was being recorded. She re-confirmed the following statement : No, you were not late for your XXXX or XX/XX/XXXX payment. I cant speak to why we wont send a letter stating that, but its the guidance our legal team has given us. 



She went on to state, Your XX/XX/XXXX payment was late, and we reported it as a late payment for XX/XX/XXXX. 



Additionally, XXXX gave us a non-working number when we asked for their corporate HQ and/or legal team direct line. 



Because GM Financial has on multiple occasions admitting that their reporting practices are in violation of the FCRA act, I am requesting that ALL late payments on account be removed immediately.
Consumer complaint received 2021-04-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd. (IL)

These were Medical records that both collection agencies failed to validate and didnt honor the law. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Suite XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL, XXXX XXXX mailed verified letter was sent to XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$240.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 2 letters and likely claim they only received 1 letter in the envelope. The other 2 accounts were only updated as a result of the dispute with XXXX. 

I verified mailed letter was sent to XXXX XXXX XXXX XXXX and received by them on XX/XX/21 asking them to verify the supposed debts ( accounts XXXX, and XXXX ). After 30 days I didnt receive a latter back so I filed a dispute with XXXX  and only account XXXX was deleted, which was the lowest amount totaling {$110.00}. I believe this was done because all 3 letters were sent in 1 envelope and they could easily discard the other 1 letters and likely claim they only received 1 letter in the envelope. The other account was only updated as a result of the dispute with XXXX.
Consumer complaint received 2020-02-21
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. (MO)

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX  XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXL Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX Balance : {$7900.00} Collections : XXXX XXXX XXXX , XXXX {$120.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$4700.00}
Consumer complaint received 2020-02-21
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. (MO)

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. XXXX  keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXXXXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX XXXX XXXX and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XX/XX/XXXX XXXX XXXX  / XXXX   XXXX Banks Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXXXXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX NA XXXX {$4700.00}
Consumer complaint received 2023-03-23
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. (GA)

EXPERIAN is reporting an account with XXXX XXXX on my credit report and I have never transacted any business with XXXX XXXX This account was previously blocked from my credit report by EXPERIAN due to identity theft about the dates of XXXX XXXX XXXX.
Consumer complaint received 2019-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KeyBridge Medical Revenue Management (MI)

I have previously filed a complaint against KeyBridge Medical Revenue for 3 collection accounts that I paid and they refuse to remove off my credit report as they state "it goes against their practices" However after filing a complaint with the XXXX XXXX XXXX I see that INFACT they DO remove collection accounts either in a plan to "PAY TO DELETE" I guess I should have done more research on this practice. I just paid them totaling XXXX and now being punished by paying the bill and not causing a fuss and it is impacting my credit score.So, their ethics are XXXX and all they want to do is hurt UNAWARE folks who don't know how to play the game. I have 3 collections that are on my report marked paid, but they are still showing as collections. They need to be removed! I filed my complaint today with the XXXX XXXX XXXX and my final step will be with my attorney XXXX XXXX XXXX. XXXX for litigation.I have copied items from the XXXX page for documentation here to show Keybridges "BOGUS GUIDELINES" and show how they pick and choose who to hurt and take advantage of those who do not know.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to Capital One and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2020-02-21
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-02-21
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-02-21
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. (MO)

This account from XXXX XXXX had been reporting in a charge off status and shows 57 reports on Experian before updated as settled with 0 balance on Experian and XXXX. This account had been charged off and allegedly had a deficiency balance however, XXXX XXXX never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
Consumer complaint received 2018-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (TN)

On XX/XX/2018 at XXXX XXXX, I contacted XXXX XXXX on behalf of a debt that I owe the company. I had a XXXX XXXX XXXX credit card with them with a limit of {$300.00}. I contacted the company in hopes of setting up a repayment plan but instead I was told that there was nothing they could do because I was in the process of being sued and my check would be garnished. I asked for the collection company that I could contact, the young lady could not give me that information. She told me the only thing I could do was pay the {$700.00} in full or I would be sued. I thanked her for her help and told her to have a good day. I checked my credit report and found that they reported that I was supposed to be paying {$13.00} a month. This option was never offered to me. I want a fair chance to resolve this solution if possible.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MI)

This item is reporting late, yet it is closed and the balance is XXXX as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 


XXXX XXXX XXXX XXXX Balance {$0.00} XX/XX/2016 2016
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This account from XXXX XXXX had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and Transunion. This account had been charged off and allegedly had a deficiency balance however, XXXX XXXX never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
Consumer complaint received 2020-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (AZ)

My social security number has been stolen and is circulating on the deep web. I have reached out to this company and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Consumer complaint received 2021-02-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: eToro USA LLC (TX)

I sent a wire transfer on XXXX to Etoro exchange US and they acknowledged it but it did not post to my account. I opened a complaint cases XXXX, XXXX, XXXX attempting to resolve where my money was. I received responses and uploaded bank statements identifying myself and my spouse until XX/XX/XXXX and then they stopped. I then called my bank to attempt a reversal of the bank wire on XX/XX/XXXX and put in an FTC complaint on XX/XX/XXXX. Within minutes of the FTC complaint all of my cases got a response that they will send the money back. I am waiting but not confident this will happen and I want this documented in case anyone else goes through this " virtual Loan '' Etoro has had with my money in limbo as their float.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Hello, There are plenty of accounts and inquires on my account that I do have knowledge of. I have reached out to all the credit reporting bureaus. Transunion keeps responding with boilerplate language. These following accounts and inquires do not belong to me. I have tried endlessly to remove these things. 

Inquires that I did not authorize. 

XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXXXXXX XXXX XXXX WI Automotive Individual XXXX XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX Banks Individual XXXX XXXX, XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX, XXXX Real Estate and Public Accommodations Individual XX/XX/XXXX XXXX XXXX Automotive Individual XX/XX/XXXX XXXX Finance / Personal Individual XX/XX/XXXX XXXX  Travel / Entertainment Individual XX/XX/XXXX XXXX XXXX XXXX Banks Individual XX/XX/XXXX Accounts that I have reached out about that do not belong to me. 


XXXX XXXX XXXX XXXX  Balance : {$7900.00} Collections : XXXX XXXX XXXX XXXX XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX   XXXX {$4700.00}
Consumer complaint received 2016-02-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: JPMORGAN CHASE & CO. (VA)

My request for a loan assumption was denied due insufficient assets. 
I provided documentation that provided proof on reserves that exceeded the 8 month reserve criteria for investment property during my initial application. 
Over the 7 months I continued to provide proof of reserves. 
on XX/XX/2016 I provided proof of reserves from my bank and was told that the underwriter would not accept my documentation.
Consumer complaint received 2016-03-31
Product: Credit card — 
Issue: Late fee — 
Company: REGIONS FINANCIAL CORPORATION (FL)

I have a several months problem with payments for XXXX credit card in view I have made payments on time or before but Regions reject payments for regions technical problems, the situation is that I have just XXXX checking XXXX Bank account and just to pay on line monthly pressing checking account bottom but regions bank set up this account as a savings and change automatically the payments issue collecting from a savings account instead checking account. I have visited 4 times Regions bank branches but they refuse to fix this problem and I dont have another checking account. Now This negligence affect to my credit report for late payments and Regions'customer service don want to fix the problem.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (MO)

This account from GM Financial had been reporting in a charge off status and shows 57 reports on XXXX  before updated as settled with XXXX balance on XXXX  and XXXX. This account had been charged off and allegedly had a deficiency balance however, GM Financial never sent and was not received the legally required notices for the state of Missouri to be able to claim such a balance and is currently in a class action lawsuit ( AmeriCredit Financial Services , Inc. v. Bell CASE NO : 15SL-AC24506-01 ) due to this occurring to many people in Missouri. Specifically no pre-sale or post-sale notices were never received and nullifies and claim to a balance and the reporting is therefore incorrect.
Consumer complaint received 2024-02-12
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: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-10-14
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. (CA)

This is not the first time I've complained about being a victim of identity theft. The XXXX credit bureaus must remove any item that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$10000.00} ; 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (KY)

I have XXXX XXXX XXXX on my credit report that is false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. This inaccurate debt i do believe was on or around year XXXX. This inaccurate report is illegal i never even had a debt with XXXX thats a third party company which seems like to me they bough the debt so its now paid. They seem to be coming after me to pay them when im under no legal contract with them what so ever. It needs to be resolved immediately or i will be forced to take legal action against this company and the credit bureau company.