davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-17
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. (MS)

On XX/XX/2022 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 2020-07-28
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: The CMI Group, Inc. (NV)

I have a loan with CREDIT MANAGEMENT LP, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, CREDIT MANAGEMENT LP,  XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-07-27
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. (FL)

SOMEONE USED MY IDENTITY AND APPLIED FOR THESE ACCOUNTS ON MY CREDIT PROFILE THAT DOES NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS.  On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (MI)

On XX/XX/2022, I applied for thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from American Express and was denied for all 3.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX Date of inquiry XX/XX/2021
Consumer complaint received 2019-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: M&T BANK CORPORATION (MI)

This is the second complaint to this company related to this case ( refer to XXXX ). 

Complaint was made regarding payments not being applied to account resulting in fees and revoked card. M & T claims they need a letter to resolve case and apply credit back to account, however the other bank ( XXXX XXXX see complaint ID : XXXX ) has no record of M & T 's claim of trying to collect payment. Bank records have already been provided and account/routing numbers have been confirmed. Please see attached both banks responses to complaints, M & T is inconsistent with XXXX XXXX claim. 

M & T is asking for evidence that can not be provided as they did not request funds per XXXX XXXX   letter ( attached ), this is unethical and seems to be a method to skirt responsibility.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery states we owe them XXXX but is not able to provide us with supporting documentation from XXXX XXXX which states that money is owed. Contacted XXXX XXXX XXXX and they were not able to provide us any of our statements. We are not able to access our online records/statements from XXXX as they state the account was sold and they cant furnish us with the amounts owed.
Consumer complaint received 2022-02-17
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/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. 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 data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (CO)

I started the refinance process late last year with Wells Fargo. We were supposed to close early In XXXX. The Wells Fargo said to not pay the XXXX mortgage which I didnt. Wells Fargo was not ready on the date and moved the closing out 3 times the latest date was XX/XX/XXXX. Last week on the XX/XX/XXXX they told me to make the XXXX payment, which I did that day. They just came back to say that because I paid my payment 30 days late VA will not allow the loan to close. I didnt pay per XXXX XXXX direction, and paid when they instructed me. Do I have any recourse?
Consumer complaint received 2020-09-11
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (NM)

I contacted the loan company in order to set up auto bill pay, and the representative I spoke with assured me that the auto bill pay was set up. I did this know that I was going to be XXXX for 6 months, and made sure I deposited all the needed funds to my bank account during my time XXXX XXXX. Upon XXXX I found that my vehicle had been repossessed as payments were not made. I do not understand how this even happened. I have attempted to contact the company several times with not resolution. I have experienced extreme pain and suffering as a result due to an error made by the company 's representative. I have attempted to dispute this off of my credit to prevent further pain and suffering, and the company has refused to even remove this item from my credit report. I feel this is extremely unprofessional as I did not make the mistake the representative who was supposed to have set up the auto bill pay did.
Consumer complaint received 2022-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (KY)

XXXX I lived XXXX XXXXXXXX with my sister until XXXX, when I moved down to XXXX. 
This credit card by XXXX XXXX was opened in XXXX XXXX  XXXX from the XXXX address I had lived at. 
I received communication from XXXX XXXXXXXX by a woman that very limited communications skills using XXXX. I informed her that I was in need of the information used to open the account so that I could file a fraud case against the account with the police. 
Instead of sending the information, they simply updated the information with my current information and started sending bills. 
I called them to resolve but got nowhere, and now htye have Midland Funding destroying my credit.
Consumer complaint received 2022-03-30
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. (FL)

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 and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc. (IN)

For the last three months I have tried to put in a loss mitigation application with BSI Financial. The first time I sent in mail correspondence on XX/XX/XXXX to the exact address that they told me to send it too and a month later it came back to me. I then sent an email with everything I sent them to there loss mitigation team on XXXX. I have now been in email communication with them since.They keep telling me I need to turn in documents that I have already turned in I totally, and on XX/XX/XXXX and XX/XX/XXXX I am at a loss. They have told me that until I get these forms turned in that my application wont be filed. They also sent a letter saying if I dont pay by the XXXX they will go into foreclosure proceedings but I cant even get them to file the application.
Consumer complaint received 2023-03-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-27
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)

THE DISPUTED ACCOUNTS ARE BANKRUPTCIES SHOWING DISMISSED CHARGES THAT WERE NOT AUTHORIZED TO REPORT ON MY CREDIT FILE. I HAVE NO AFFLIATION TO THIS ACCOUNT. I HAVE BEEN IN DISTRESSED FIGHTING THIS AND I AM REQUESTING AN INVESTIGATION TO HAVE THIS ACCOUNT OFF MY CREDIT FILE PERMANENTLY.
Consumer complaint received 2022-02-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
Consumer complaint received 2022-02-17
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Maximus Federal Services, Inc. (SC)

The company was very misleading with advertisement and i felt pressured to sign up. As if i was going to miss out on a learning opportunity. They promised endless career opportunities in the medical field and ended up closing for good in 2018 with dozens of lawsuits. I know have a degree that is absolutely useless and debt to pay
Consumer complaint received 2024-03-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc (NY)

I opened a savings account online with Affirm on XX/XX/2024. I added monies into account a few times. Now, my account is FROZEN!! When I call I do not get an adequate reason why. I received an email on XX/XX/2024 to verify my account with State issued ID front and back, and a self taken picture on their Net Verify link and sent them that evening. 
This is from the email ; To complete verification on your Affirm account, submit the information listed below within XXXX days through this link before it expires : https : XXXX? XXXX -- XXXX & locale=en-US I did set up auto payments weekly from this account to another bank for my auto loan. XXXX was sent successful. 
The first time I called the woman said something about " laundering '' money ''! Other call representatives just say they will escalate to another department. I requested a supervisor and she said same thing. The number I have been calling is XXXX. I also called XXXX XXXX Bank at XXXX, who is listed as the bank that holds the money. XXXX said the bank has nothing to do with deposits just loans for Affirm. Currently my balance is {$2900.00}. I opened this account because they offered a higher interest rate than my bank. 
I am XXXX and on Social Security so this money is almost all I have and is crucial to my quality of life, I do not have the whole account number due to account frozen and can not see it. I have the last XXXX numbers only. The Routing number is XXXX,
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (NY)

Jefferson Capital was found on my credit report a total of four times. One states XXXX, 2 as XXXX XXXX  and one as a iXXXX XXXX. I wrote Jefferson Capital being I have not one heard of this company before and two, I have no idea what these debts are for. I specifically asked for a validation of these accounts by terms of a contract baring my original signature and date of last delinquency as it is not being reported. This company has violated my rights under 15 USC 1681S-2 inaccurate reporting. They have failed to provide documentation of Validation of Debt upon request. They have failed to comply to the law that states that written permission be given from the consumer. I have never had a contract with this creditor I am not liable for this debt. My request is for them to remove and delete this account from all 3 credit reporting agencies, XXXX, XXXX and XXXX. I do not have any documentation to present as stated prior I do not have a contract with this creditor. Nor have they provided any documentation that I do.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have asked Transunion for a validation of the creditor, I have requested for all paperwork from the original creditor to be sent to me. Section 609 states that I have a right to ask for this information that was received by the bureau Transunion has yet to send me this information.
Consumer complaint received 2020-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion is listing the incorrect address for XXXX XXXX XXXX XXXX XXXX. The street address is listed as XXXX XXXX XXXX XXXX. The correct street address in XXXX XXXX is XXXX XXXX XXXX XXXX. Transunion is required to provide accurate information. This address error is a violation of FCRA. Additionally, Transunion lists the name as XXXX XXXX XXXX. The correct name should be XXXX XXXX XXXX. XXXX XXXX XXXX also has an address in XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX. What is the correct address for XXXX XXXX XXXX for communication regarding consumer credit reporting - XXXX  or XXXX XXXX?
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (CA)

I have this loan and the payment are to high ... being a senior citizen the payment are to high I am Paying {$420.00} each month have not paid for this month and they can take my car at anytime I am trying to work with them my health is now becoming poor as I can not sleep and I go to a doctor for my XXXX XXXX  I am frighten about everything, I want to pay them and I will but I need the payment to be between $ XXXX {$320.00} per month which would be a hardship but I could do that the interest on the loan is 160 % computed daily ... .I borrowed {$2500.00} and I am {$20000.00} for this loan over 4 years ... I was under such pressure when I took out this loan and did not know what I was doing I need help badly. had I known I would not have take this loan out and would have just gone homeless..at least I would have had a car to sleep in and live not I will be on the street with no car or a place to live
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2021-03-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (KY)

My husband 's ex employer said they overpaid him for paid time off that you took and they took the whole amount out of our check with made an overdraft the bank covered it and then left us with {$15.00} in our account
Consumer complaint received 2020-07-27
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. (TX)

This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit. I have disputed this with XXXX  and they sent me an updated copy of my credit report and this is not appearing. Re-aging a debt is against the law and inserting inaccurate information is also illegal.
Consumer complaint received 2022-06-16
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-03-02
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. (TX)

The information in question comes from XXXX XXXXXXXX XXXX. The amount reported is XXXX. This account first became delinquent in 2014. The time frame for this account has expired. The company is required by law to remove inaccurate information and information that is more that 7 years in age.