davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
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. (TX)

I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status.

Thank you
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

I got a car loan from XXXX XXXX XXXX some time back XXXX and the truck was not making any profits and I returned the truck to the seller. 
I had a financial settlement with XXXX XXXX XXXX, the settlement was paid but they never cleared my name from the Credit report since XXXX. 
Apparently out of business and can not be traced.

Kindly help me fix this issue.

May I have an investigation report about my current credit status.

Thank you
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC. (FL)

Gold key credit inc # XXXX Placed for collection XX/XX/XXXX {$95.00} Creditor : medical/ Florida XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX The issue is that I paid the {$95.00} and my electronic check cleared in XXXX of XXXX. 

I received a call threatening collections and paid it again. 

My wife showed proof of payment from both bank and insurance web portal and cancelled that payment. 

Sent to collection anyway because electronic transfer went unnoticed by XXXX XXXX.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

Experian was sent documentation concerning a number of fraudulent accounts, credit inquiries and former addresses. This documentation was also sent to a number of creditors. Somehow, the current address was removed from the report. Experian requested additional proof of identity and the same was provided in the form of a drivers license, social security card, and a utility bill. To date, Experian has failed to add back the current address. In fact, the report- under identification number XXXX- has not a single address in which to identify me or deliver a credit report.
Consumer complaint received 2018-02-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (NY)

Hi, I purchased a product online from an auto part dealer in XXXX. I sent XXXX USD to a XXXX XXXX working for the XXXX XXXX company through paypal. I received the product in XX/XX/XXXX and the product was not at all what was advertised. I was supposed to be receiving a carbon fiber rear view mirror for a XXXX XXXX however the company sent me this plastic mirror cover that was cheap and misleading. I was expecting to receive the whole carbon fiber mirror as it costed over {$80.00} and the company advertised it as a mirror even had a picture of the mirror as the advertisement. Anyways, I tried to come to an agreement with the seller and they would not respond when I asked for a refund with product return. So, I reported the seller to paypal and sent them additional supporting documents of my case and proof that this company is frauding consumers. Paypal ended up closing my case because they said I did not respond in time, which I did. I think it it ridiculous that they are letting this seller get away with fraud when they apparently are so addament about it. I just want my money refunded as it is the ethical thing for the company to do.
Consumer complaint received 2024-05-13
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: GLOBAL CLIENT SOLUTIONS, LLC (TX)

To whom it may concern, My ex-husband and I were contacted by an attorney from XXXX XXXX XXXX telling us that we were coming to the end of our consolidation process and our last payment would be coming out in XX/XX/XXXX, which is about 6-7 months earlier than I expected. We have been with this company since XX/XX/XXXX. XXXX XXXX was our first contact and then we began talking to XXXX because they were the attorney group handling everything. 

I have been handling this mess of XXXX debt since then. I was surprised and I was skeptical as the website shows our paid debt still shows three of our debt pieces in presettlement. All from the same vendor. I got this individuals personal phone number and name and have had several conversations with him. The attorney chatted with me 3 times as I wanted confirmation of this completion in writing and I can not get anyone on the phone at canyon. 

Then my ex-husband received something in email that we needed to sign that said we would get our fees back because of this lawsuit happening and that we should sign it. I called the attorney again and he explained what it was and that he was supposed to get all of these signed and answer questions. We are at the end of our program and the payment changes won't affect us as we are done. I told my ex to sign it and unfortunately he did not download a copy of what he signed. 

I talked with the attorney again as he said that someone should be calling to tell us what happens now that we are finished and, that if no one has called as of XX/XX/XXXX, that we should call him back. I have called XXXX and no one answers. So I just called him back todayhe just answered me. 

This attorney is the only one I can get a hold of. During that call last month, he suggested we call Global Holdings ( XXXX acct ) and tell them they do not have authority to take any more draws out of our acct monthly. He said that should take care of the remaining debt as we are done paying and the rest of the draws to the vendor are enough to pay everything off by XXXX. 

I am nervous about this as we were trying to do the right thing by taking care of the debt issue with a consolidation company to help us with the credit debt we had. 

What do I do if they are lying? I need some help. The last vendor we are dealing with is XXXX XXXX. Payments scheduled to them go until XX/XX/XXXX. Global shows draft payments continuing to be drawn out until XX/XX/XXXX. 

We have paid {$89000.00} since XX/XX/XXXX Below is correspondence info and statements. I also have emails showing we have been sending debt info to XXXX for years. I have tried to contact someone at the company multiple times since this lawsuit popped upand no one answers. I have copies of documents and screenshots of website portals if needed. 

Thanks in advance for your support. XXXX XXXX
Consumer complaint received 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 2022-04-10
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. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX 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 2021-05-18
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. (MO)

Today is XX/XX/2021. I mailed out letters to XXXX, XXXX  and Experian on XX/XX/2021 about inaccurate information reporting on my consumer report. I have not received any response and its been over 60 days and thats a Violation. Also, XXXX, XXXX, or Experian also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 60 days.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I just recently looked at my report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. i also attached evidence. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these inquiries has no permissible purpose to be on my credit report. Delete these inquiries due to violation of 15 USC 1681b
Consumer complaint received 2022-04-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (SC)

On XX/XX/XXXX I applied for a " construction to permanent '' mortgage at Regions Bank through XXXX XXXX ( XXXX XXXX ). I was seeking this loan to finance a home build for my family. I applied via a hyperlink provided by XXXX XXXX, and submitted my SSN/other personal identifying information to begin the process. This resulted in my credit being pulled by Regions Bank that day ( XX/XX/XXXX ). 

On XX/XX/XXXX I supplied XXXX XXXX a signed builder 's contract and house plans, hoping to continue the application process where I would eventually receive an official 3-page Loan Estimate. This official Loan Estimate is required so I may properly compare Regions ' mortgage offer with similar lenders. My home builder ( XXXX XXXX ) then supplied XXXX XXXX with all required forms so they might be added to Regions Bank " approved list of builders ''. 

On XX/XX/XXXX XXXX XXXX at this point asked me to fully " commit '' to the bank before moving my application forward. As I had not yet received an official Loan Estimate, I was not comfortable " committing '' to the bank at that time. I informed XXXX XXXX that I was committed to continuing the application process, but I reserve the right to back out at any time prior to closing. XXXX XXXX then replied that he refuses to proceed with the application because I was considering other lenders aside from himself & I would not " commit '' to Regions Bank. 

As of XX/XX/XXXX XXXX my credit was pulled a week ago and all requested documents to XXXX XXXX were submitted, yet he still refused to move my application forward. This is prohibiting me from receiving the official, 3-page loan estimate that I'm entitled to via the Real Estate Settlement Procedures Act ( RESPA ) and the Truth in Lending Act ( TILA ).

Being required to fully " commit '' to a bank before receiving this document is not only unethical, but violates my lawful rights. I politely ask that the Consumer Financial Protection Bureau look into this event to ensure it happens to no one else.
Consumer complaint received 2019-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I went to deposit cash into my brothers Checking account at 5/3rd Bank. When I walked up to the teller, I handed her the deposit slip and the cash. She asked if I was on my brothers account. I said, No. She then proceeded to ask me for ID so she could make a copy for their system, and she asked me for my SSN, My Occupation & my Cell Phone Number. I told her I was not comfortable giving her all of that information as I DO NOT BANK with 5/3rd and I didnt feel comfortable giving them my information to hold in their system. I asked her why the bank required this information? She could not answer the reason why. I asked her, what if there is a data breech? I dont even belong to your bank and now you have my nppi in your system. She laughed it off and said, yeah like XXXX XXXX that just happened to? I didnt find that a joking matter. She told me that she could not accept the deposit unless I gave her that information this was a rule from corporate and shes just doing her job. I ultimately had to give her the information in order to make the deposit. I made the deposit and I left. I called the corporate office and asked to speak to someone who could explain to me why they require my personal, non-public information in order to make a deposit? The women at the corporate office could not answer my question and refused to connect me with anyone who might know. She said that must be a branch rule. I said how could collecting that kind of information be a branch rule? They are inputting into your corporate system? I asked her multiple times to please transfer to someone who knows the banks policies. She refused. This was the 5/3rd Corporate Number I dialed ( XXXX ) XXXX and pressed 0 for the operator.
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (OH)

At One Time I had XXXX Amex Cards, XXXX for my personal use and XXXX for Business, we had a dispute on the XXXX XXXX and Amex denied a charge from a Vendor that we later had to pay a 30 percent collection fee to Legal Counsel to recover the fund that Amex Should have reversed, they then shut the card off along with my personal card. I paid the business card off and paid monthly for the past couple of years on the Personal Account, they keep calling me when after XXXX written notifications to stop calling they did in clear violation of the law. I also attempted multiple times just to set up ACH with the Company but they keep refusing to do so, I pay off of paper invoices, so when a statement comes in, it is given to my accounting folks to pay online, since again we could not set up ACH, I just got XXXX 's statement in the mail, when I was alerted by XXXX on I logged into Amex portal and made the XXXX and XXXX payment online which would bring the balance to {$2400.00} which I then was told when I called into Amex the account had been assigned to XXXX XXXX  XXXX, I asked the man at Amex that they need to remove the late since they failed to give me the ability to ACH payments and I had not gotten a statement he agreed to it on a recorded line as of today it's still showing and has lowered my credit score by XXXX points and XXXX of my credit cards have now reduced my amounts of boring causing even more hardship in the matter. I then called the Zwicker firm, which they told me they could not discuss it, I then got a letter from them stating that they were trying to collect {$2600.00} and again the wrong amount, I will be disputing this with them today and advising them CFPB is involved in the matter and that the matter is in FULL dispute. I also have now been getting calls from other law firms it seems that AMEX and this XXXX firm has a track record of not being ethical and following the law which is very apparent in this matter. 
Also it was brought to my attention that I have been paying fees for " purchases '' even thought the card was shut down and " no purchases '' could be made, I have learned a lot of the tatic 's from the Lawyers that keep calling, to represent me in the matter.
Consumer complaint received 2022-04-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I have several private student loans with this company. I have already used all my deference and forbearance options due to financial and illness in the past. I am getting my life back on track and am in a better position to start making bigger payments. However, trying to work with this company is IMPOSSIBLE! I have tried every way under the sun, even a BIG deposit offer and they WOULDN '' T tell me how much my payment would be afterward!! The rep would not even say, let me check with my supervisor and someone will get back with you. TERRIBLE customer service. In XX/XX/XXXX, they let me make 1 final payment towards my forbearance. On XX/XX/XXXX, they received another XXXX request and it has been in processing since then, this is XX/XX/XXXX. PAST NEXT PAYMENT DUE. I contacted them via CHAT on XX/XX/XXXX, 3 days before payment due date. Nothing could be done... .There is no way I can pay {$1700.00} per month! In XX/XX/XXXX, payments were {$1200.00} per month, thats when I received the last forbearance. WOW, jumping {$500.00} in 3 months!! I have been working with them off and on, via message or phone call since XX/XX/XXXX to try and get my payments down to a manageable monthly payment. Phone Calls were made to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, plus the many chats, and messages. I have tried refinancing and there is no company that will refinance this loan.
Consumer complaint received 2023-09-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The Law Firm of Krisor & Associates (IN)

On XX/XX/2023 I received notice that a local attorney, Krisor & Associates sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named XXXXXXXX XXXX XXXX. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. XXXXXXXX XXXX XXXXXXXX or the attorneys at Krisor Associate are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Equifax Credit Bureau has took more than 30 days to complete my investigation. Here is my certified mail tracking # XXXX delivered to Equifax on XX/XX/2022. 

On XX/XX/2022 I called the Equifax customer service department and a agent told me they do not have my documents. When I advised him I have a tracking number that they received my documents via certified mail he than stated they have the documents but it was not in their system yet. I then advised him its been more than 30 days that I have not received a update and he advised that I will receive a update in a couple of days but did not confirm why they do not have my documents in the system yet for investigation nor did he attempt to get the tracking information from me to confirm if they really received my documents.
Consumer complaint received 2016-01-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (UT)

Midland Funding has continued to report inconsistent rention dates on multiple accounts, to the XXXX credit agencies. On account XXXX, they report to XXXX a retention date of XX/XX/XXXX -- XXXX XX/XX/XXXX -- no reporting on XXXX. Account XXXX they report to XXXX a rention date of XX/XX/XXXX -- no reporting to XXXX -- and a reporting of XX/XX/XXXX to XXXX. On account XXXX they do report to XXXX or XXXX -- to XXXX they report a rention date of XX/XX/XXXX. On account XXXX they do not report to XXXX & XXXX -- but report a rention date of XX/XX/XXXX. On these accounts, they do not report an original creditor or contact information for the original creditor. They have failed to report correct information on any account that they hold of mine. I have submitted numerous disputes with each credit agency, & they continue to verify each account with each agency, even though all information that they report is inconsistent.
Consumer complaint received 2022-04-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (AL)

I have tried disputing the account on my credit profile. I have no knowledge of opening an account with XXXX XXXX XXXX XXXX. I didnt authorize. I have asked this company to provide proof of signature and identification that I truly opened the account. The collection agency have yet to provide any of that information. It goes against my rights when it comes to reporting accurate information on a consumers credit profile. I ask that this be investigated
Consumer complaint received 2022-04-13
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 41 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.