davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XX/XX/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 XXXXhas violated my rights. 

Inquires XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX 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 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

All consumer reporting agencies are reporting inaccurate and obviously unverifiable information under two accounts on my consumer report. The two accounts being reported with inaccuracies are for XXXX XXXX XXXX as the names listed on each account is " XXXX XXXX XXXX '' ... this is NOT my name. As such, all consumer reporting agencies are reporting inaccurate and obviously unverifiable information in connection to an alleged debt. Because inaccurate and obviously unverifiable information is being furnished, per consumer reporting law 15 USC 1681i ( 5 ) " an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. ''
Consumer complaint received 2019-08-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Hallstrom Law Firm PLLC (MA)

Had XXXX  work XX/XX/16. XXXX office did not bill the correct amount and turned over to collections, which then was sent to a lawyer. When I sent a letter full of question about the debt, Law firm/XXXX did not send me the proper documation proving the debt. All I got were credit card receipts showing the incorrect amount. Law Firs/XXXX needs to send me all the transaction including how the insurance was billed and for what amount so I can make a decision on how to proceed. 
So many companies debt collectors seem to be half-doing what is required by law. XXXX XXXX XXXX is one of these and are not exempt from the law.
Consumer complaint received 2019-03-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA (NV)

I HAVE REQUESTED THAT HYUNDAI MOTOR FINANCE TO PROVIDE ME WITH THE ORIGINAL APPLICATION THAT WAS SUBMITTED TO THEM FOR FINANCE FROM XXXX XXXX XXXX XXXX NEVADA, THE FORMER FINANCE MANAGER ADVISED ME THAT THE REASON XXXX XXXX IS NOT GIVING ME A COPY OF THE APPLICATION FOR FINANCE IS BECAUSE THEY FALSIFIED MY INCOME .I WAS ADVISED TO REACH OUT TO HYUNDAI MOTOR FINANCE FOR A COPY OF THE APPLICATION SUBMTTED SHOWING INCOME REPORTED BY THE DEALERSHIP. HYUNDAI HAS YET GAVE ME WHAT I ASKED FOR. I NEED TO SEE THE APPICATION SUBMITTED FROM THE DEALERSHIP WITH MY INCOME GIVEN. IF FAIL TO PROVIDE I WILL SEEK ASSISTANCE FROM THE ATTORNEY GENERAL OFFICE FOR ASSISTANCE. I AM ASKING FOR THE APPLICATION SUVMITTED FOR FINANCE AND NOT MY CONTRACT. I WANT THIS SUBMITTED TO ME ASAP ELSE I WILL INVOLVE A 3RD PARTY WHO WILL GET MY APPLICATION SUPONEA THIS DEALERSHIP FALSIFIED MY APPLICATION TO GET ME FUNDED FOR THEIR PERSONAL GAIN. I WANT HYUNDAI TO PROVIDE THE INFORMATION TO ME SINCE THE DEALERSHIP IS CLAIMING NO RECORDS AVAILABLE. AND AFTER IT S DETERMINED THEY FALSIFIED MY INCOME TO GET ME FINANCED FOR A XXXX CAR WITH A XXXX MONTHLY SSI INCOME I WAS TAKING ADVANTAGE OF AND JUSTICE WILL BE SERVED. I WANT HYUNDAI TO SUBMIT THE INFORMATION I REQUESTED.
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bull City Financial Solutions, Inc (NC)

Repeated phone calls over and over at work at home. Threaten to take accounts and assets calling at night and day threaten to tell my boss if I dont pay. Take the collection off for a week and put it back on a credit report over and over causing the score to change.
Consumer complaint received 2019-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NY)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  you are required by federal law to verify through physical verification of the original signed consumer contract any and all accounts email in a fraudulent account. Experian has failed to show me verifiable proof of my documents ( see documents below ).
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (AZ)

XXXX indicated an 'alert ' message on one of my credit cards showing my Credit Score had gone down. In reviewing my credit report from XXXX on XX/XX/2018 I noted a report called FNB OMAHA # XXXX with a balance and delinquent charge of {$47.00}. 
I have no idea what this is about nor have I received any information from FNB OMAHA.

This account must belong to someone else or my own account has been hacked. Please help me to resolve this issue. Thanks so much. Let me know what I need to do.
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX  OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , AZ XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-11-29
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. (OH)

I looked at my credit report today and I found inaccurate information. I have never lived in XXXX, IN. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. Please remove the following addresses they are not mines XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XX/XX/2014 XXXX XXXX XXXX , XXXX , CA XXXX XXXX XXXX XXXX , XXXX  , OH XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX  , XXXX , IN XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2018-11-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I received a deposit for startup ( XXXXk ), to my BofA business account, used the funds accordingly, every transaction is accounted for, 5 days later my account was closed at banks discretion, no explanation, other than due to depository guidelines
Consumer complaint received 2018-11-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (LA)

I sent in documents to chase mortgage for a loan modification to get approval when i go approve XX/XX/18 i sent in a payment before XX/XX/18 of XXXX 3 month trail period then i receive aletter 3 weeks state that my loan modification was cancelled so my home is active for foreclosure and chase refuse to help me. please help me resolve this matter where i want lose my home because i am harding a hardship
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX I have an account with XXXX XXXX for 6 years and 7 months and I had two late payments one in XX/XX/XXXX and one in XX/XX/XXXX due to not received mail.I talked to XXXX customer service and they agreed to erase those late payments from my account and they also said they will report them to 3 Beauros.
Consumer complaint received 2022-05-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (TX)

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SEQUIUM ASSET SOLUTION account with a balance of {$65.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (TX)

I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my XXXX XXXX report and my Equifax report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, Equifax has my date of birth wrong since XXXX and my mailing address with them has become outdated.
Consumer complaint received 2021-09-16
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. (NJ)

I recently noticed on all three of my consumer reports that XXXX XXXX is reporting negative remarks that affects my credit score negatively. I sent a request to validate the information they are reporting to the consumer report agencies mid XXXX. On the XXXX of XXXX I received a response from XXXX stating the loan listed was transferred. XXXX XXXX violated 15 USC 1692d ( 1 ), furnishing this negative item on my consumer reports is ruining my reputation, and it is defamation of character.
Consumer complaint received 2021-09-16
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. (PA)

I sent in a dispute letter for incorrect information XX/XX/2021 and the credit bureaus have not replied in the 30 days. I am requesting an investigation into this matter. 
I disputed the following items to be removed from my credit file from Transunion, XXXX and XXXX. 
Incorrect names Incorrect addresses Past employers inquires that are outdated Debts that are not mine : XXXX : {$1900.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX {$710.00}, XXXX {$10000.00} Several Inquires XXXX XXXX ( 4 ) XXXX XXXX XXXX ( 3 ) XXXX XXXX XXXX ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX ( 1 ) I am requesting these items be removed I am requesting these items be removed from my credit report
Consumer complaint received 2019-08-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (VA)

In XX/XX/2019, PNC mortgage broker XXXX XXXX ( Mortgage Loan Officer NMLS XXXX ) informed me a rate ( 3.125 % ) that is 0.125 % lower than the true rate ( 3.125 % ) in effect upon closing. She later admitted the mistake but said there was nothing that she can do. When I learned the true rate, it was too late for me to switch to another mortgage company because there was not enough time before the school year starts in XXXX. She also informed me of a lender 's credit in the amount of around {$1900.00} in early XXXX as a compensation, but that credit was later withdrawn by PNC without notice. She also informed me of a number for funds needed for closing which turned out to be deficient by {$12000.00}, which caused me great inconvenience in preparing for the closing funds on a short notice.
Consumer complaint received 2021-10-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (MD)

The Title sent to me said I owed XXXX dollars. From the XXXX XXXX they sent me is full of incorrect information. The beginning balance was XXXX dollars. From XX/XX/XXXX the balance remained the same after being paid Each Month until XX/XX/XXXX. XX/XX/XXXX when balance changes. Then there are months of without them recording my payments. Then the XXXX XXXX charges, late fees, that Never Happened. I always used Debit Card. This is Fraudulent Accounting.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I disputed items that are listed on my credit report XX/XX/2021. I have not heard a response in the 30 day time frame. 
I would like the items listed on attached removed from my credit file.
Consumer complaint received 2022-06-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF THE WEST (CA)

I wrote a check to my landlord for rent on XX/XX/XXXX for XXXX $ and placed it in the mailbox for pick up from my landlord as I always do. Someone stole the check out of the mailbox, and cashed the check fraudulently on XX/XX/XXXX. ( I have pictures of the check ) Bank of the West is aware of the stolen funds and situation, and released my funds fraudulently. I have done all I can with them, filled out all of there forms, spoken to everyone in the branch, got my landlord to sign the paper that he never received the funds, and even started a new account. They then told me they have 90 days to work with the claims department. Its been 90 days and they still will not return my money.
Consumer complaint received 2023-07-27
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. (AL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXXXXXX Balance : {$100.00}
Consumer complaint received 2020-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On multiple occasions over the past 2 years, I have tried without success to write to XXXX, XXXX, and TransUnion regarding their posting of a public record that is listed without any written or verbal authorization from myself or the US Bankruptcy Court XXXX XXXX of Florida. 

Based on the National Consumer Assistance Plan ( NCAP ) that was put in place by CFPB for all credit bureaus they have violated the requirements of this program with regards to transparency and accurate entries on a consumer credit report. 

I provided a letter signed from the court stating that they do no report any bankruptcy to the credit bureaus yet they continue to post information that was never authorized to be posted on my credit report. There are also incorrect and erroneous entries on the listings shown on my credit report for this bankruptcy which was not corrected and was ignored by the bureaus, demonstrating they violated the NCAP.
Consumer complaint received 2018-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

Around XX/XX/XXXX due to a credit monitoring service I noticed a fraudulent XXXX XXXX account was opened in my name. I disputed the account with XXXX and the account was removed completely from my credit files. 
Now a company called XXXX XXXX XXXX has placed a collection on my reports claiming the account was assigned by XXXX XXXX. I called XXXX who reported to me that they removed their tradeline due to fraud. I was advised to file a complaint and submit a dispute. 
I have yet to receive proper validation required by the FDCRA or received any correspondence regarding they own the debt and proof that the debt belongs to me. The account was just placed on my reports without any notice. I am 100 percent sure there are no such documents because the account is fraudulent.
Consumer complaint received 2019-10-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gordon, Aylworth & Tami, P.C. (WA)

Debt in the amount of approximately {$3400.00} was owed to a law firm called Gordon, Aylworth & Tami ( XXXX, Oregon ). This was for consumer debt. I called and negotiated a settlement of {$3100.00}. I paid the law firm {$3100.00}. I received a letter saying the debt was paid in full. Six months later, they are trying to file a Writ of Garnishment for the debt. They went to court and obtained a judgment against me, did not properly serve me and are now trying to take my wages.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.