davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-08
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. (CA)

I received a copy my current consumer report and immediately noticed inaccurate addresses, misspelled names and completely different phone numbers that do not belong to me. Under the FCRA my consumer reports should reflect accurate information at all time. This is a clear violation of that.
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harvard Collections, LLC (IL)

Harvard Collections opened onXX/XX/2018 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not know about this account.
Consumer complaint received 2022-06-21
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct.

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-08
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. (MD)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (TX)

DMV in Texas does not have my apartment number listed on my registration, despite me showing proof of residence with my lease. Toll bills have not been sent to my mail. Signed up for XXXX and was assured my account was clear as that was they only way they were able to add my license plate to the account. Received a letter in the mail from Penn Credit Collections company with the apartment number listed. I never received ANY toll bill in the mail, therefore, could not pay the original bill.
Consumer complaint received 2018-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (CA)

I was recently assigned the phone number ( XXXX ) XXXX and I am receiving recorded/automatic calls that are not intended for me. I have previously requested to have TSI ( Transworld Systems Inc. ) remove my phone number as I am not the person they are trying to contact. The recording says to call XXXX and ask for XXXX XXXX XXXX. The ID CODE / Reference # for the call is XXXX.
Consumer complaint received 2018-08-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc (TX)

XXXX XXXX came stopped me from buying my home I need this off I have never done business with them. I have sent countless letters to them asking to prove to me it's my debt by showing me a signature and haven't received anything.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

Bill Pay Service with 53rd Bank Effective XX/XX/XXXX, most of our bills are being paid via checks. 

This is causing a delay in our bills being paid on time. Due to late payments, one of credit cards assessed late fee of {$27.00} and another of {$37.00}. 

The checks are taking 1 to 3 weeks to clear. 

Most recently, our auto insurance bill was due on XX/XX/XXXX, the check cleared XX/XX/XXXX. 

We schedule our bill payments up to 5 days in advance of due dates and the funds are always available. 

I have reached out to 53rd Bank on 7 occasions on these 3 different payees. 53rd is only addressing 1 payee. Each time we are requested to provide same information over and over.
Consumer complaint received 2020-02-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (TX)

I was charged for an apartment under my grandma and I 's name, she lived in California and cosigned for me and I lived in the apartment, so she wasn't there, we were just cosigners on it at XXXX XXXX XXXX XXXX  in XXXX, Texas XXXX. They posted a bill on the account under both of our names after I moved out due {$500.00}. My grandmother paid it in full, and then they sent me the bill of it afterwards. They charged both of us {$500.00}. They received the first {$500.00} payment from one person ( my grandmother ) and sent me a bill for {$500.00} as well, attempting to collect a total of over {$1000.00} dollars. After my grandmother payment, ( which she had to send in twice to the apartment complex, in which time she had them send it back once and cancel it once which I have email documentation between her and a worker there about it dated XXXX of her check stub payment and full with one XXXX XXXX at XXXX XXXX XXXX ), the account balance should have been zeroed. But I still received a bill. I have email correspondence proving she paid the amount in full, but yet I am still receiving mail in both my grandmother and my names separately from RentDebt Automated Collections  XXXX XXXX XXXX, XXXX, Tennessee XXXX that were sent over from XXXX XXXX XXXX for {$500.00} for both my grandmother and I to my current address. They have posted it on my credit and it went down 47 points. I received another collection today XX/XX/2020 telling me to " settle it '' by now paying {$370.00}.
Consumer complaint received 2022-03-08
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. (PA)

XXXX XXXX XXXX XXXX is still reporting a fraud account from XXXX XXXX. I have disputed this account and they replied on CFPB that they was removing it from my credit report. As of today this collection is still on my credit report ( XXXX and XXXX ). This is a violation of FCRA and if XXXX XXXX XXXX violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to {$1000.00} in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys fees and costs. At this point, I gave this company enough time to remove this fraudulent debt but they are playing games.
Consumer complaint received 2020-02-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

I request a signed document from the company with my signature for verification of a debt for XXXX the date of my letter XX/XX/2020 no action taken by the company, I also disputed with the 3 credit reporting agency many times, they keep saying verified, how when they can not prove to me thats my debt.
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 I sent a letter to Experian in regards to a collection account that appeared on my credit report from an account that I paid in full with the original creditor already! This is ridiculous and I need this rectified so that I can buy my home in 3 months. It has been more than 30 days and I have not received a response yet.
Consumer complaint received 2022-03-08
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: TRUIST FINANCIAL CORPORATION (GA)

I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT XXXX XXXX AND SUNTRUST BANK ( NOW TRUIST ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. XXXXXXXX XXXX AND TRUIST HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT TRUIST ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.
Consumer complaint received 2023-06-13
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. (TX)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00}
Consumer complaint received 2023-06-13
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. (FL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-27
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: EQUIFAX, INC. (OH)

I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.
Consumer complaint received 2023-06-13
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. (GA)

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.
Consumer complaint received 2022-07-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY (NC)

NORDSTROMTDBANKUSA Has a reported balance of {$650.00} on a closed account as of XXXX XXXX, 2019. It has not been verifiable. It has also been charged off.
Consumer complaint received 2022-07-25
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. (NV)

In accordance with the Fair Credit Reporting act 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX
Consumer complaint received 2022-03-08
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: CITIBANK, N.A. (GA)

I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT CITI BANK AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. CITI BANK AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.
Consumer complaint received 2019-08-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (TX)

We tried to refinance our mortgage with CitiMortgage. The appraiser ( that we had no input in ) valued our home at least {$30000.00} to {$40000.00} less than what it could be sold for ( people in our neighborhood have sold for good money ; the appraiser was biased because we have a trailer park we share a fence with ). We were told to get a XXXX loan for {$2200.00} and that would cover all closing costs. We were told if we sent paperwork by XX/XX/XXXX we could close on XXXX. We were asked to send banking information proving the XXXX loan money twice along with other banking transactions. When we asked if we were still on track to close on XXXX ( we emailed on XX/XX/XXXX ) we were told we are not on track and now we need {$3000.00} more to close ( they never mentioned this before we asked ).  XXXX from Citi acted like she had never heard of someone stating a closing date ; which we have proof showing SHE told us a date. We asked well before closing and taking the XXXX loan on XXXX about the discrepancy from original contract of {$340000.00} and updated contract info of {$330000.00} on XXXX but were not given a straight answer. I was a Citi customer for a decade with my last mortgage ( never paying late ever ) and now they have made it impossible to communicate with us or refinance with them in a professional manner. The communication is awful and the lack of answers on Citi 's part is disgraceful. I have all of the emails and I am willing to send you everything. Please review.
Consumer complaint received 2018-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

My student loan was in forbearance with XXXX while my ex-wife went through Chapter XXXX bankruptcy. She closed her file in XX/XX/2018. 
On XX/XX/2018 I got notification of a payment due by XX/XX/2018. 
XXXX reported to all creditors today that the account is 120 days past due, causing my credit score to significantly drop. Not sure how this can be 120 days past due when I didn't even get notice of a payment due until yesterday, and the due date is still 10 days away.
Consumer complaint received 2021-10-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC (MD)

On XX/XX/2021, I met a man through a dating app site who turned out to be a scammer. He successfully scammed me of all my savings and had me max my credit cards. In addition, he had open a payday loan and a lease with XXXX XXXX XXXX. 

The loan with XXXX XXXX for a cash price of {$700.00} plus interest was a total of {$900.00} was reasonable and I was able to pay it off after he ghosted me. 

However, the loan from XXXX XXXX XXXX opened on XX/XX/XXXX is a nightmare. It's through Acima lease with a cash price of {$3900.00} and cost of lease service at {$4600.00}, making a total of {$8600.00}. 
They used to take {$170.00} from my account every week and they opened this credit line for me with the knowledge that I did not have a job or any means of income. 

I called Acima on XX/XX/XXXX, once I understood that I had been scammed to let them know about the situation and that I had to report to the police. I was advised to send the police report, which took weeks, and on XX/XX/2021, when I finally got the report I sent it to Acima. On the XXXX of XXXX, they wrote me saying they did not consider it fraudulent based on the report, therefore I was still responsible for the loan. 
I responded to them the same day asking for help with the lease and advising them that I had no income coming in as unemployment checks were going to stop coming in, also gave them the option of telling the store to go get their products back as they have the vehicle information. The response I got on the XXXX of XXXX was to dispute it on XXXX, which I did today XX/XX/2021 and still waiting on their response. 

Eventually, On XX/XX/XXXX, I had to block them from my bank account as I was not allowed to remove my account from autopay. Because I blocked electronic checking, they used my debit card ( did not realize they had that information, I believe it was when I had to pay the {$56.00} fee when the account was open ) on XX/XX/XXXX, to charge my account making it go red, which defied my reason for blocking them in the first place. So I am currently disputing that with my bank submitted XX/XX/XXXX, which has made my account current for now and had my debit card blocked as well, as we speak they are still trying to charge it every single day since XX/XX/XXXX and got my bank thinking my card was stolen and blocked my card on the XXXX of XXXX. 

When this man pressured me to open this account, I did not think the lease will be opened giving that I did not have a job, equity, or investment but, they did open it anyway with the scammer at their store and myself at home. I did the signature online and had to pay a {$56.00} fee for some reason. At the time, I felt that this man was going to pay this lease and give me back all the money owed. 

So far I have paid them {$1500.00} and, I am at my wit 's end cause at the moment I am XXXX and can not work ( still waiting on XXXX application ). I have absolutely no way of paying this lease, this is more than 100 % interest just for some wheels!
Consumer complaint received 2024-02-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter VIA MAIL disputing serval inquires, several wrong person information and a closed account on my credit that is WRONG and improper use of my credit report. 

This credit bureau company TRANSUNION tried to claim it was a credit repair clinic or third party simply because I know my rights as a citizen and denied to fix the issue stated by the representative I was on the phone with that was very disrespectful on XX/XX/year> starting at XXXX. 

Ive attached proof of my letters and the email I received.