davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TIDEWATER FINANCE COMPANY, INC. (DE)

I submitted dispute on XXXX XX/XX/XXXX requesting incorrect information be updated and corrected for an old Tidewater motor credit account from XXXX. Account was reported as charge-off and updated every month currently as late. This information is incorrect and should be reporting as a XXXX balance and bankruptcy discharged XXXX  XXXX. I also attached court documents with dispute reflecting as so. But, dispute returned as accurate and amount owed increased and then Tidewater motor credit reported additional late payments which caused my credit score to decrease XXXX points and damaged my credit and opportunity for mortgage loan approval. I called Tidewater motor credit about 5x on XX/XX/XXXX and was advised I was not found in their system, then I was transferred multiple times. After my fifth attempt, I was given a ( XXXX ) XXXX telephone number. Finally, I spoke with a representative XXXX and I advised the representative of the situation. I sent XXXX at Tidewater motor credit in writing with letter request of validation of debt owed to XXXX email on XX/XX/XXXX. I would like the situation resolved and it be reported correctly to all three credit bureaus as soon as possible!
Consumer complaint received 2021-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The XXXX Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Consumer complaint received 2021-09-25
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2022-06-14
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. (KY)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

TransUnion  File # XXXX Date XX/XX/2018 Personal Information : XXXX XXXX XXXX XXXX I have not ever used to obtain credit. I need for TransUnion to provide documented proof of this such name was or used for any type of credit.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc. (MI)

I have received at least 20 or more calls from this company called EOS. They refuse to identify why they are calling or what the purpose of their call is unless I provide PII. They only state that they provide private services. Upon googling the name of the company it appears to be debt collection service, but they have not identified this as the purpose of their call. I have tried on several occasions to tell them that I will not provide any private information unless they identify the purpose of the call in order to protect against this being a scam. They then end the phone call.
Consumer complaint received 2022-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

FRAUDULENT ACCOUNTS WERE ATTRIBUTED TO ME THAT I HAVE NO KNOWLEDGE OF NOR BENEIFITED IN ANY WAY FROM THESE ACCOUNTS AND INQUIRIES
Consumer complaint received 2022-01-17
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. (CO)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have serval auto loans with XXXX. I have on numerous occasions attempted to get them to rectify the inaccurate reporting of information on my credit report. The issues first started when one of my three auto accounts payment was not drafted on time. The account used to supply payment had been closed by my bank due to fraud and and new banking information was loaded into the system as alternate payment. Now depending on whom you speak with at XXXX and which Department you speak with XXXX 's story always changes. Now I'm told part of the program is XXXX 's Department are unable to speak and share information with each other, which I find hard to believe in the XXXX Century. 

Depending on whom you speak, I was last told that once and account had a reported closed account attached to it, the consumer can NO LONGER amend their payment, nor can they add a new account to continue with the ACH payment. On top of this since the account was set up as " Paperless Billing '', XXXX made no attempt to notify myself of the missed payment via mail or phone. They do however claim to have sent emails, to which they acknowledge I never opened. 

Therefor in the end my account went two payments past due before I caught it, over paid the account and ultimately within 5 months of discovering the error just paid the vehicle off. 

XXXX in my opinion used deceit and fraud to dodge the responsibly owed to all consumers by not supplying notice of reported delinquency, as well as charged extra fees for late payments, that would have been made had they made any attempt to contact myself. They stated that they their policies regarding responses to their clients and not permitting the system to continue to attempt to draft off the account was somehow a safety trigger for the consumer. XXXX, go figure they over charged me fees, and somehow did me a favor?? At no time did XXXX ever notify me that their " policies '' had changed, and that if and account needed a new banking information attached that this would be impossible without reapplying for a whole new account! 

Due to their errors I have been denied credit, saw my average XXXX XXXX drop from XXXX to under 700. This has also meant that loans I needed for my business now put me at higher credit risk, and ultimately cost me more in financing fees. Quit interesting since I have two additional loans with XXXX that were not affected. XXXX should be investigated for FRAUD!
Consumer complaint received 2022-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (NY)

Since XXXX of XXXX, I have been disputing 2 Chase accounts that appear on my credit report. I have disputed these items with the creditor directly, as well as with the 3 major credit bureaus : XXXX, XXXX, and XXXX. I have requested that they investigate the accuracy of the information, because it is not reporting correctly. There is currently no balance due on these accounts, because they were settled. However, I continue to see several inaccuracies on my credit report and the information that is reporting. Each credit bureau is reporting conflicting information. 

To date, all that I continue to receive are copies of statements, and requests for me to supply Chase with more information in order for them to investigate the account. I am unclear as to why I need to help Chase investigate an account, when they are the ones furnishing the inaccurate information to the credit bureaus. 

In addition, I have a response from Chase dated XX/XX/XXXX where they confirmed that they are required to provide accurate information to the consumer reporting agencies and can make changes to their reporting only if its incorrect. However, ALL of this is currently incorrect : -High balance is reporting inconsistently across the 3 bureaus -Last verified date is inconsistent -Date of last activity is inconsistent -Date reported is inconsistent -Date opened is inconsistent -Closed date is inconsistent -Account rating is inconsistent -Last payment is inconsistent -Credit limit not reporting on XXXX -Dispute remark missing
Consumer complaint received 2022-01-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: World Omni Financial Corp. (TX)

Toyota has been reporting this charge off/Repossession on my Credit report since XX/XX/XXXX. 

I have sent Toyota several letters for verification of Debt. Last one sent on XX/XX/XXXX. The response I received stated there is no account found with the information given or my account has been found Frivolous. 

Toyota has Re-Aged this account Toyota states this Account was opened on XX/XX/XXXX Toyota states this Account was Charged off on XX/XX/XXXX, Payment history reported by Toyota to XXXX XXXX as of XX/XX/XXXX XXXX reported Charge Off as of XX/XX/XXXX to XXXX XXXX 60 days past due as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX to XX/XX/XXXX, XX/XX/XXXX Last payment date : XX/XX/XXXX Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : XX/XX/XXXX Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$23000.00} Payment history reported by Toyota to XXXX Toyota states this Account was opened on XX/XX/XXXX Last activity : None Dated Reported XX/XX/XXXX Last Payment XX/XX/XXXX High Balance {$7000.00} Toyota has continued to re-Age this account and report Major Inaccuracies. 
I am requesting that this account be deleted from my credit profile.
Consumer complaint received 2022-01-29
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-08-08
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (FL)

In XX/XX/2010 i allegedly co-signed a vehicle and the financing was By Santander Consumer Usa. This car was a lemon but because it was used the lemon law could not be enacted. The bank charged {$37000.00} on a {$15000.00} so XXXX of these dollars were interest. Predatory lending!! They never sent a final bill nor did they give the option to buy this car at auction. This car was not worth {$37000.00} and when they sold it at auction and after receiving payment on this they state a balance of {$16000.00} is owed.. I'm disputing the validity of this account because i have no knowledge of the alleged account and would like the original signed contract.
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alpine Credit, Inc (CO)

A couple of weeks ago, I saw on my XXXX credit report that a derogatory account had been submitted by Alpine Credit Inc on XX/XX/2020 in the amount of {$370.00}. To date I had not received any communication about a debt being owed either from them or the original creditor. 

Around XX/XX/XXXX, I phoned them and asked that they email me an invoice for the debt as I had received nothing so far. They had my correct address on file, which seemed odd. The person said they " normally didn't do this '' and so it would be a few days. 

On XX/XX/2020 I received an emailed " invoice '' from XXXX XXXX XXXX XXXX for a XXXX XXXX and something I couldn't interpret. Alpine passed this invoice off as XXXX 's. However, I noticed two things - Associates was spelled wrong and my current address was on the invoice. Since I had never seen this bill before nor ever had a XXXX XXXX I was pretty sure this couldn't be correct and was doctored by Alpine. 

On XX/XX/XXXX, I contacted XXXX and they confirmed that the patient had the same first and last name. The birthdate was similar, but not the same as me. They also had my address as in XXXX ( where I've never resided ) at a PO Box . They did NOT have my address. They verified that this was NOT me. 

On the same day, I called Alpine where I was very rudely treated until, of course, they confirmed that my last 4 SSN did not match this person. They said that they would contact XXXX, but I have yet to hear back. 

The reason that I am reporting Alpine Credit , Inc is because they. 
1. Egregiously reported me to the credit reporting agencies even without matching the birthdate, ssn, address, etc. Isn't there minimal matching criteria? I now must spend even more time rectifying this. 

2. Sent me a FAKE invoice, which I believe violates FDCPA ( among probably other laws ). 

3. Even to date ( XX/XX/XXXX ) they have not sent me any communication in writing. I believe within 5 days of receiving my debt they are supposed to notify me in writing? 

I am thankful that I have the time to rectify my credit score. And I certainly appreciate that there is a place where I can file a complaint against places like Alpine Credit that can't even do simple things like match people 's PII before damaging someone's credit and wasting their time. While this may be a " small '' thing I can only imagine how damaging it could be to someone without the time or resources.
Consumer complaint received 2020-02-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (MI)

Company has reported a debt collection to the collection agencies in the amount of {$140.00} date of deliquency of XX/XX/2019 for XXXX XXXX. I have disputed with XXXX and XXXX and they have reported that it is verified. I have reached out to the Caine and Weiner and they provided a " past due bill '' Problem is I should not have a past due bill, as I traded both cars and cancelled the insurance. When I received the bill I contacted them and they acknowledged they tried to pull funds from an account that was actually for the next month. I had cancelled so therefore this was not due. Credit Agency refuses to acknowledge my complaint and I also requested their State of Michigan Collection License number as this is required in order to collect a debt in the State of Michigan. If they are not licensed in Michigan they lawfully can not collect and therefore can not place a collection on my report. They have not acknowledged my dispute whatsoever.
Consumer complaint received 2019-10-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CO)

A home in our sub-division, XXXX XXXX, XXXX XXXX, CO XXXX was abandoned, and the mortgage company now owns it. However, the mortgage company has refused to provide upkeep on the yard. It is now so overgrown with weeds and grass that it has created an eyesore, and affects the value of the homes surrounding it. 

I contacted the mortgage company, Mr. Cooper, starting on XX/XX/2019 to notify them of the condition of the exterior grounds, and to request that it be addressed immediately. I was assured it would be addressed by their preservation team. 

No action whatsoever has been taken by Mr. Cooper despite multiple subsequent calls in which I have been assured that the yard maintenance would be done. 
This a middle-income neighborhood that is doing its best to maintain our homes and our property values. Mr. Coopers negligence is affecting the value of the homes in the neighborhood, and is an insult to our community. As XXXX of the XXXX XXXX, I represent the XXXX XXXX  XXXX members who have had enough of Mr. Coopers purposeful neglect. 

Mr. Cooper is doing a disservice to our neighborhood, and is showing a lack of respect for the responsibilities of property ownership that is disgraceful. 
While several neighbors have volunteered to help clean up this property, this would be encouraging Mr. Cooper in its negligence and disrespect and has been declined.
Consumer complaint received 2019-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (WI)

Today I needed a copy of my cleared check. Check # XXXX in the amount of {$1500.00}. As it turns out Wells Fargo does not have this information. ( I needed it for loan processing on my new mortgage which now has been denied because I can't provide the needed document ) I began trying to look at the the other images of cleared checks for the past year. Many of them were not there. I called Wells Fargo and spoke to a rep. Indeed he verified they do not have this information.
Consumer complaint received 2022-01-18
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE ()

I sent a transaction 3 times but it got canceled 3 times, then I looked in my app for the company and it said complete. As if someone picked up the money. I filed a complaint with the company and they found their mistake. They issued me a refund with a control number and this is where the problem lies. I have relocated to the XXXX but my bank is in the United States as for now. I use the online service to send my money to me in the XXXX as my debit cards do not work here. They stated my bank would not accept my refund and sent my refund through their service to XXXX. As I stated I have relocated to XXXX and can not receive my refund in XXXX. They refuse to change the payout location for me even though I have sent the requested documents to prove who I am.
Consumer complaint received 2021-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc (PA)

PayPal placed a Limitation on my account onXX/XX/XXXX due to fraud. On that day I spoke to a Supervisor- XXXXi- She escalated by case. On Friday XX/XX/XXXX I received a message stating that you partially removed some limitation, however I can not tell what those are. I still have no access to my funds. No responses from my daily messages to PayPal. I have attached the documents requested by XXXX again. The package for XXXX XXXX was delivered on XXXX. As you can see there was a note included, showing her satisfaction- The RISK of a chargeback is no existent. The other is the REFUNDS-UNKNOWN- XXXX XXXX are payment from a Delivery/XXXX XXXX- XXXX XXXX XXXX. This is how they pay in their instant payout feature to a debit card. These are not charge backs. I would also like to add that I have had over XXXX sales in my XXXX store with no charge backs at all. If you need documentation of that please let me know. This account is all my funds in the world. I have not been able to purchase gas or buy food for my family. As you can see the deposit that came in last week was my Federal Child Tax refunds and payment from another XXXX XXXX I work to make extra money for my family since I am a single mother.