davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (VA)

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 2019-06-14
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. (MO)

My credit file has many mistakes on it all deriving from outdated technology from the 3 credit reporting agencies, as opposed to relaying on new information as well as certified physical documentation inwhich shows facts over unproven electronic Verification that can not be taken as fact. I'm demanding that these unknown, unauthorized accounts be blocked immediately. Please remove the following accounts, due to that fact that they are not mines. 

1 ) XXXX XXXX XXXX {$4000.00} 2 ) XXXX XXXX XXXX {$330.00} 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX {$570.00} 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC (AZ)

I have spoken to the company several times in regards to incorrect late payment information that has been reported, I have also sent in my report that they requested showing the incorrect information and nothing has been done, I would like late payments to be removed due to inaccurate information.
Consumer complaint received 2018-09-25
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. (NJ)

Hello federal agency. The creditors clearly made a mistake. I have several accounts and inquiries that are not mines. Can I please have help? How can a XXXX cardbXXXX be on my credit? How? XXXX XXXX  XXXX???? without out me noticing it. Please I need this off my credit including XXXX   XXXX, XXXX and XXXX inquiries. Please Im sorry but Im stressed.
Consumer complaint received 2019-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

Bank of America comitted fraud in implementing my mortgage. 

Their prior response to my complaint contained false statements. 

XXXX XXXX refused to return any of my 6 voice mails. 

I filed a new complaint and XXXX XXXX called me. During that phone call he refused to provide me an XXXX mail to correspond with him regarding a resolution to my complaint. I told him I would send him a letter. He assured me he would answer my questions in writing once he received it. Once he received it he refused to address a single point in my letter and merely attached a copy of his initial response to the first complaint which contained the misstatements. He refused to answer any of the questions.
Consumer complaint received 2019-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (FL)

I have a balance on the account comprising of two parts - one is part of a promotion with no interest until the date XXXX/XXXX/2019, and one whose promotional rate expired on XX/XX//2019. Since then, I have communicated with the bank by means of their secure messaging system trying to ascertain exactly what amounts I needed to pay to avoid further interest. I have been given several different and conflicting answers and none have addressed my concerns. In XXXX, I paid {$160.00}, which as the bank explained, was " the part of the balance subject to an interest charge '' in full. This would have meant no further interest, yet they charged an additional amount of {$2.00} on the XXXX statement and they now said that " the amount subject to interest is now {$120.00} ''. I got tired of the runaround and messaged them again asking what amount exactly I needed to pay by the next date to avoid further interest. On XXXX/XXXX/2019 they replied " Since the {$50.00} is accruing interest until it is paid off, your next billing statement would still show the interest that accrued on that portion of your balance up until the date you paid it. It would be a small amount, but you would still see interest. '' I expressed my intention to pay off the entire interest carrying amount and messaged them again, I asked directly " This is the same thing you told me last month about the {$160.00}. I paid that off and now this nonsense continues. What amount EXACTLY do I have to pay NOW to stop intrest accruing until XXXX/XXXX/2019? ". The bank replied " Your balance at the 22.24 % variable APR totals {$50.00} and your 0.00 % Balance transfer, expiring on XXXX/XXXX/2019, is {$3000.00}. The balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. Keeping in mind how our payments are applied, I'd recommend you pay your minimum payment of {$63.00} plus the {$50.00} to help you avoid additional interest ''. I then paid as instructed a total of {$110.00}, and now on my new XXXX statement AGAIN I have interest and AGAIN I have a " balance subject to interest '' in the amount of {$34.00}. This bank is absolutely disorganized and haphazard and has no idea what they are doing, relying on some defective computer algorithms rather than common sense, and they have not been able to answer simple questions.
Consumer complaint received 2019-06-14
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. (TX)

DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY.. DELETE SEC XXXX XXXX XXXX****, DP OF EDUC XXXX****, DP OF EDUC XXXX****, USXXXX XXXX****, DP OF EDUC 3412****
Consumer complaint received 2019-06-14
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. (MO)

My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXXXXXX XXXX {$690.00} 3 )  XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXXXXXX XXXX XXXX {$950.00}
Consumer complaint received 2019-06-14
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. (MO)

My issue is with the 3 major credit reporting agencies inwhom is reporting unverified information inwhich has not been certified and physically verified but instead the 3 major credit reporting agencies has relied on electronic Verification inwhich by law can not be used as vertification. In addition the credit reporting agencies has caused great harm to me as a consumer and others alike as well by continuing to use outdated technology inwhich is contributing to the spread of misinformation. In concert with the FCRA I'm demanding the following unauthorized accounts be blocked/ removed / deleted from my credit file immediately. 

1 ) XXXX {$550.00} 2 ) XXXX XXXX {$690.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$270.00} 5 ) XXXX XXXX XXXX {$950.00}
Consumer complaint received 2023-11-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio (FL)

I called Vance & Huffman on XX/XX/23 to obtain a settlement agreement due to a debt showing on my credit while purchasing a new home. My closing date ended up getting postponed & the check was mailed later than anticipated. I called Vance & Huffman immediately to notify them on XX/XX/23. I spoke to someone at first but she transferred me to XXXX XXXX. XXXX XXXX advised me immediately that the call was recorded. I explained to him the situation w/the check arriving later then anticipated & that my title company wrote the check for the incorrect amount. XXXX XXXX at this time was very helpful & friendly telling me it was no problem & that he would speak w/the company partners to get an overpayment check issued back to the original issuer. XXXX XXXX requested the title company call him directly because the check came from the escrow account. The title company called XXXX XXXX & he told them that he would work on getting the check mailed out to them. After waiting a reasonable amount of time & no check, I started calling XXXX XXXX but he was out of office or in meetings but would call me back. Never a single return after over a dozen phone calls over 2 months. Finally get XXXX XXXX to respond & he said he was waiting for accounting to respond & kept giving excuses for delays. Finally today he responds that they will not issue the overpayment check. XXXX XXXX is saying that the check was received after the settlement agreed date but we spoke on XX/XX/23 & XXXX XXXX stated it was no problem & he was working to issue the overpayment. XXXX XXXX claims he was not involved w/my acct is false. This was a verbal agreement made on a recorded line. XXXX XXXX strung me along for 2 months and is playing games with my money & overpayment that was agreed upon being returned. While I understand this is an exception based on the agreement XXXX XXXX advised it was no issue & agreed to it in XX/XX/23. Business is based on the owners word and in this case XXXX XXXX word means nothing. XXXX XXXX under FDCPA breached XXXX. False or misleading representations - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. 


During the communication process Vance & Huffman did not follow proper protocol for verification of person on phone. Numerous times calling in to Vance & Huffman and they would state my personal information and i would say yes and this was the verification which they would complete to verify I was who I say I was. This is in breach of the debt collection guidelines for verifying persons over phone. 

Vance & Huffman falsely advertise that they are an A+ rated BBB company which XXXX  has verified they are not A+ rating and this is indeed falsified information placed on the company website to provide false pretenses on the company standings.
Consumer complaint received 2019-06-14
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX XXXX
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$6200.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2019-06-14
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. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your  failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX
Consumer complaint received 2023-07-31
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

Applied for a home equity line of credit. I am XXXX  years of age. I have my assets within a revocable trust. US Bank, after I completed all other steps, would not accept my Trust without explanation and stated I would have to draft another Trust. I am an attorney who drafts Trusts and litigate Trusts disputes in California. My Trust meets the appropriate standards.
Consumer complaint received 2023-05-09
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. (SC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-09
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. (PA)

My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (CA)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Experian and XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2017-05-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Receivables Performance Management, LLC (WA)

I am receiving NUMEROUS calls for someone named  XXXX   RPM (  Receivable Performance Management ) at phone number  XXXX . I am NOT  XXXX  nor do I know a  XXXX . I have had my phone number for 9 years such it is unlikely this was  XXXX  's number. RPM continues to call me about a debt  XXXX  owes. When I tell them I am not  XXXX  they hang up. When I call back they put me on hold  for 3 minutes, pick up and immediately hang up. When I call from a different phone and get through to a person  and explain the problem I get put through to a voice mail  of a manager that is full and at which time the system automatically hangs up on me. It is tiresome harassment that I have on multiple occasions tried to correct. PLEASE MAKE THEM STOP.
Consumer complaint received 2015-04-22
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Key 2 Recovery, Inc. (OH)

XXXX/XXXX/XX/XX/2015 I was contacted by a collection agency stating that I owe {$2900.00} to an online university. I stated that the claim was erroneous as I had applied for and to my knowledge received financial aid. I asked what the debt was for. They stated it was because I did not withdraw from my classes per the contract. They stated they had exhausted all efforts to contact me. I stated that this was the XXXX I had heard of this alleged debt. Collection agent stated that they had been contacting me at ( telephone number that did not belong to me ). Agent read off the telephone number. I stated that was not my telephone number. Agent stated that that was the information provided to her. On XXXX/XXXX/XX/XX/<YYYY> after having made contact with me and after I had advised the telephone number they had been calling was not mine, a collection agent from this agency again called the telephone number not belonging to me, it belongs to my mother, and left a phone message discussing the alleged debt on my mother 's answering machine. This same day this same agent left the same message on my answering machine and implied a threat that if I did not call them back by XXXX on XXXX/XXXX/XX/XX/2015 that my file would be moved to final determination and that " seriously, this is something you do n't want to happen ''. Previously, when I asked the collection agent to validate the debt, they threatened that if I request the validation of debt that I would not be able to work out any type of settlement, that all chances of working out a settlement at a reduced amount would be off the table. As I was trying to reason with this collection agent, she continued to yell and talk over me and stated " I 'm not playing your games, I 'm going to submit paperwork to garnish your wages ''. On XXXX/XXXXXX/XX/<YYYY> I contacted the original creditor, spoke to XXXX. of the university and advised that the collection agency was very abusive and illegally trying to collect on a debt. I stated that I wanted to work directly with the university to resolve this matter. XXXX. stated he would speak to Mgmt to pull my file from the collection agency. I contacted the collection agency to advise them of this. The agent with an exasperated tone asked why and " Are you going to resolve this? '' I stated I am resolving this as quickly as possible. XXXX. of the university emailed me XXXX/XXXX/XX/XX/2015 stating that he was speaking with the collection agency and would be back in contact with me after hearing from the collection agency. Received a call XXXX/XXXX/XX/XX/2015 from the collection agency again. I did not answer.
Consumer complaint received 2023-05-09
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. (PA)

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 for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 2288984 Ontario Inc. (MN)

On XX/XX/2023 I got a loan for XXXX $ so I could consolidate some bills. The site says you are encouraged to pay more than the minimum payment. On XX/XX/2023 I paid XXXX $ towards the loan. On XX/XX/XXXX I paid XXXX $ towards the money owed. So I looked at credit reports and I am over the limit! This has been reported. So I paid XXXX $ since I got the loan only to be both over the limit and more in debt. I am a senior citizen of XXXX and I needed the money for an emergency. I have a house payment and home insurance to pay and a cyberstalker who steals from me. I wont be able to eat much next month as I will have to pay them first. I have medical issues and I think its wrong since XXXX of XXXX I paid XXXX $ in their handling fee. I know they cant operate in my state of Mn now as I called Dept of Commerce snd they recommended I file here
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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