davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I would like to write a follow up complaint regarding the investigative results I recently received from Equifax regarding an illegal item which appears in the section marker PUBLIC RECORDS on my credit report. 
My lender has just refused me a mortgage refinance re-structuring on the grounds that this item is present on my credit file with Equifax ( only ) making me a " high risk '' consumer. 
I have literally lost the ability to save nearly 2 % on my mortgage loan because of this falsely reported item which Equifax refuses to remove from my file. -Case # XXXX was incorrectly placed against me before I had counter sued and won the plaintiffs in XXXX XXXX superior court. 
This case is not supposed to be updated to show " satisfied/released '' because it was never paid or ever owed and the Judge ruled the case in my favor throwing out this judgment against me pending my counter suit, which settled in 2012. There are currently NOT supposed to be any public records items on file under my name or social security number and Equifax is in violation of FCRA law by reporting this misinformation in my records. I have no such items listed under any other credit reporting bureau and this is a mistake on Equifax 's behalf. I demand that it be removed immediately, I am currently in the process of shopping for my mortgage to be restructured so that my family does not lose our home and they are severely hindering my ability to acquire any and all rates being offered to me through my bank. 

I strongly disagree with Equifax 's decision and reinvestigation methods. I received no new information, no proof of this item and no release/satisfied notices. Where did they come to this concision? How? Let us see the proof? now! 
Equifax HAD NO RIGHT TO UPDATE or CHANGE THIS TO ITEM REFLECT EVEN MORE INACCURACIES! This item was never paid, never released because it was EXPUNGED and thrown out of court pending a counter suit with the original creditor. I do not and have never owed this amount NOR is your system up to date if you were able to see this old item. The XXXX XXXX superior court has issued me an expunging of this case and I was free and removed from this lawsuit. It MUST be removed from my records immediately!
Consumer complaint received 2022-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC (IL)

The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with Section 809 of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This month I noticed a recurring monthly charge for {$24.00} since XXXX from TransUnion. I immediately called TransUnion and asked what this was about. The first person I talked to said I was not a member of TransUnion and I should not have been charged the {$24.00}. He asked me who was charging me {$24.00}. Confused, I answered - you guys, my credit card says TransUnion has been charging me. He said he did not see those charges and transferred me to another individual. At this point I thought a fake TransUnion was charging me and that I was experiencing some sort of fraud. 

The next individual asked me some questions and then said I was supposed to be charged {$24.00} per month. I said, I don't understand I never signed up for a monthly membership, I requested a credit report once and then immediately cancelled any further recurring fees. She said she could cancel my membership and refund me the most recent charge, but would not refund me the other 6 months. I asked for her manager and she said she was a supervisor in charge. I asked for her name, and she said XXXX but would not give me her last name. I asked if she could send me what records she regarding my monthly membership and she refused to provide them to me. I asked her in five different ways to provide me with records indicating I should be charged {$24.00} per month and she refused to provide me with my records. I told her I had cancelled any membership and she did not care. 

I take copious notes on most of my transactions and phone calls because I'm an attorney and I know memory can fail anyone. When I checked here, I found that I specifically wrote down that I cancelled this membership, like I remembered. I am flabbergasted by TransUnion 's absolute refusal to be transparent provide me with the records XXXX continued to refer to to charge me hundreds of dollars for a service I did not use. Furthermore, I am more shocked when I see my own notes confirming that I cancelled this service, which appears to be confirmed with the first TransUnion representative I talked to who said I was not a member, and then the hostile attitude and refusal to accommodate my reasonable request by XXXX. While on hold on the phone, TransUnion was advertising their free credit reports every 7 days due to COVID. That they would try to, frankly fraudulently, procure hundreds of dollars from me for something that should be free is horrific. 

I thought TransUnion was supposed to be a trusted major credit reporting company - Consumers really only have 3 choices. If 1 out of 3 of these choices appears to be ripping you off, who can you trust?
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I was set up with XXXX XXXX on auto pay, Payment of {$100.00} was withdraw from my account. Apparently I got short {$29.00}, which I was not advised about at all. I didn't get any email, txt or phone call that I am short {$29.00}. 
I am enrolled in all communication services with XXXX XXXX. 
They have reported me for late payment to credit report which effected my score dramatically. 

XXXX XXXX XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: REGIONS FINANCIAL CORPORATION (FL)

I opened a Regions checking account with the inducement of a {$500.00} bonus. I have met all of the conditions of receiving that bonus and have yet to receive it. 

At the time the account was opened, I was sold a " pre-approved '' credit card by Regions. However, I was not told on that day or for most of the following week how much I was " pre-approved '' or approved for. 

Ultimately, I was approved for a small fraction of the amount that other lenders have approved me for. Had I known this ; I would never have allowed a hard credit inquiry on my report nor would I have accepted Regions " pre-approved '' credit card offer. 

On top of that, it took over four weeks to finally receive the credit card. 

Shortly after that, I spotted numerous unauthorized transactions on the account. I contacted the merchant and was advised to contact Regions. After wasting an hour on a chat with a Regions representative, largely because she could not verify my address due to her lack of understanding the XXXX XXXX XXXX in Regions system is an abbreviation for the word XXXX XXXX, '' a dispute was finally entered. 

However, I was not asked for any of the written communication sent to and received from the merchant. Nor was I provided with any written communication from Regions. 

Worse, yet, Regions has refused to provide provisional credits for the unauthorized amounts charged and in today 's chat I asked a different Regions representative if I was expected to pay for these unauthorized charges and her response was " Correct. Of course, this is wholly unacceptable. 

Outside of meeting with a charming teller at Regions when I opened my checking account, dealing with Regions has been a nightmare. 

Not only do I have no faith in receiving a replacement card in a timely manner as the original card took a month to arrive, I have no faith that my credit card will be credited for the unauthorized transactions or that my checking bonus will be credited to my account in a timely fashion.
Consumer complaint received 2021-09-23
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. (LA)

Over the last three months, there have been monumental decreases to my account balances, yet my credit scores have not gone up even one point. The last straw is the fact that I just paid off A {$20000.00} CAR LOAN AND ALL THREE REPORTING AGENCIES SHOW IT AS OPENED WHEN THE LOAN AGENCY SHOWS IT CLOSED!!!
Consumer complaint received 2021-07-22
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. (CA)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect a debt that is not mine.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TN)

I reported to XXXX to investigate 2 hard inquiries on my Equifax and XXXX  credit report and they found that the inquiries were to be removed since XX/XX/2017. XXXX and I have fax and mailed numerous letters to remove credit inquiries ie XXXX ( XXXX XXXX  ), XXXX ( XXXX XXXX  XXXX ) and I have not get any results from any of the Credit Bureau and its becoming frustrated that these inquires has impacted my credit score
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/21, I deposited a check from XXXX XXXX XXXX, XXXX in the amount of {$8900.00}. Two days later, Chase released the funds and I used this money to lease a new car. On XX/XX/21, Chase reversed the deposit and took all of the money back, stating the check had insufficient funds. 

Chase shouldn't have released those funds if they were insufficient. Furthermore, I've asked them to do a formal dispute with me for this check and they said no. They did say they'll escalate the issue but I have not heard back from anyone at Chase. 

I need help from Chase to dispute this and get the funds back into my account. I believe the person who wrote the check - who is ignoring my repeated requests to re-pay me the {$8900.00} - is committing fraud and I need help.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-01-13
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Equifax has been unlawfully furnishing information on my report. I've reached out on three separate occasions. I have included both my driver 's license and a utility bill to verify personal information.
Consumer complaint received 2021-02-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lending Club Corp (MA)

I have received 2 emails from these people notifying me of a refund owed and asking me to update my address which I did twice ... this was in early 2021 and I have yet to receive the refund. I have called on multiple occasions, sent emails etc ... they are un responsive as the representatives are unable to provide me answers and although they say somebody will call me nobody ever does. I believe the refund is due to an interest overcharge but I have yet to receive the refund.
Consumer complaint received 2023-01-13
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. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-02-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BBVA FINANCIAL CORPORATION (TX)

This is a formal complaint against BBVA USA located in XXXX, AL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, [ insert CAs name ] has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon. 

Below would be the following dates I sent my letters to them : Letter 1 : XX/XX/2020 Letter 2 : XX/XX/2020 Letter 3 : XX/XX/2020 Letter 4 : XX/XX/2020
Consumer complaint received 2019-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Rosebud Economic Development Corporation (MO)

I have email confirming that {$130.00} taken out on XX/XX/XXXX will close the loan as paid in full however they took out another {$130.00} on XX/XX/XXXX on top of the one on XX/XX/XXXX which caused my account to me overdrawn.
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

EQUIFAX CREDIT REPORTING AGENCY REFUSED TO REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORT THE NEGATIVE ITEMS ARE XXXX XXXX   AND XXXX XXXX  CREDIT CARD ACCOUNTS AND XXXX XXXX XXXX XXXX ACCOUNT S AND ALL HARD CREDIT INQUIRIES. THIS IS AFFECTING ME. TO ACCESS MY CREDIT REPORT MY NAME IS XXXX XXXX MY SOCIAL SECURITY NUMBER IS XXXX DATE OF BIRTH XX/XX/XXXX
Consumer complaint received 2023-01-13
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. (SC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX was never late! I have had exceptional payment History With XXXX XXXX and all payments were placed in Autopay. This late payment that is reporting is a result of a systematic error on their end processing my payment. 
This was clearly a billing error made by the company and it is not a reflection of my payment Experience which violates USC code 1681eb. This error has caused severe hard to my Reputation, my character, my mode of living and to my family! 
I demand the late payment reported in XX/XX/XXXX and XX/XX/XXXX to be removed. 
They are not in compliance with the following law 15 USC 1666b and its requirements set the Standards and the guidance of a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose, unless the creditor has adopted reasonable procedures designed To ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 
I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in a good faith pursuant rule XXXX and it was never provided This is unfair, Illegal, fraudulent, and not equitable to me as a consumer! 
Update the late payment from my consumer reports XXXX XXXX - XXXX
Consumer complaint received 2023-01-13
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. (WA)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
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. (OH)

I am writing this letter in regards to these accounts below. Thats on my credit report and is affecting me tremendously. I am a victim of identity theft and I had my information compromised which is the reason why these accounts are appearing on my credit report. These accounts are truly affecting me a lot because they are not mine and I should not be responsible or accountable for something that was opened up without my knowledge. Im sure you guys would not want to pay for something that you have no knowledge, did any business with nor had any service from. 

I should be in process of getting a home sometime this year of 2024 and even get promoted in my job which requires a credit check. Im trying to get my life in order, being a victim is not easy. its extremely stressful and very detrimental to my mental health. I will be attaching a FTC report with the number XXXX that was given to me when I filled out the form and I will also be attaching my identification card and my proof of address required by what I read in the Consumer financial bureau of protection website ( CFPB )
Consumer complaint received 2023-01-12
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: Velocity Portfolio Group (NY)

Its a hospital bill that i was paying on and then was turned to collections. Never been notified didnt give my consent to publish the report or givin any time to pay. In XXXX month they wanted the whole amount when i was set on paying it at hospital. This whole thing is against the fair credit reporting act thank you