davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (GA)

There is a fraudulent inquiry on my TransUnion Credit Report, from XXXX- Inquiry Date : XX/XX/2023. I have attached a letter from the credit, showing that this inquiry should be removed effective immediately. Please accept this official letter as evidence to remove this fraudulent inquiry from XXXX XXXX Date : XX/XX/2023.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AL)

On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-09
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. (GA)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items and authorized inquiries for they were found erroneous and unauthorized. 

XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XX/XX/XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$18000.00} XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance {$2100.00} XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

As a consumer on multiple instances, I have written several letters to Experian XXXX, and XXXX exercising my rights as they pertain to the FCRA section 15 U.S.C. 1681g, I have simply requested original hardcopy documentation, fully and totally verifying that all items being reported on my report belongs to me, who verified these items? What methods were used in verifying these items? Also, where is the physical proof of a contractual obligation with my signature on it? They have failed to provide those documents as well as allowing the items to remain on my credit report after several letters damaging my creditworthiness. The items, therefore, should have been deleted Under section 611 ( a ) ( 5 ) ( A ) ( i ). Experian, XXXX, and XXXX are in violation of the FCRA. 


I will upload the letter, I received from the U.S BANKRUPTCY COURT confirming that they do not report information to Experian, XXXX, and XXXX. in addition to a letter from XXXX confirming my file with them is and was locked when Experian, XXXX, and XXXX claimed to have verified information through them, which is illegal and against the law. Along with the complaint letters I sent to Experian, XXXX, and XXXX. 

" I'm asking that the CFPB assist me in this matter because Experian, XXXX, and XXXX  has violated my rights to the fullest and this matter has affected my life in the worst way.
Consumer complaint received 2018-08-04
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. (MI)

I have been trying to dispute many collection accounts that were inaccurate and or falsely reported on my three credit reports with very minimal results until I submitted complaints with the CFPB and got results from both the credit bureaus and the actual collection companies. But, Equifax still has an account listed as open and with balance in collection! I had disputes listed with Equifax and even get email correspondence stating results are posted ( for only a few more days now ) and yet I can not even log into the website with my personal info and unique Confirmation Numbers!? I keep getting the same error message of : We are unable to Process your request ... .. 
My results from using CFPB even had the collection agency replying saying they have sent corrected and updated info TWO TIMES to the credit bureau and yet still listed at Equifax? I would like to know ( view ) why Equifax has not fixed this, but unable to even re-dispute ( send more documentation ) anything without access to their website?! I have contacted their customer service only to be told I must contact them directly? I thought I WAS contacting them? Do I need to show up in person for a meeting? This is ridiculous! 
Needless to say, during this long process I have been denied for leasing on living arrangements due to all this wrong information and the needed points were not gained/showing to grant me loans/application approvals. 
I have attached my documentation and screen shots of Equifax error message, correspondences and account numbers.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

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 Inquired on XX/XX/2020 2020
Consumer complaint received 2021-04-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BBVA FINANCIAL CORPORATION (FL)

we attach two complain we start before but the process start on XX/XX/XXXX the BBVA USA start to ignoring my petition to cancel the PMI insurance. we do a process 3 year a go and denied and from the last 18 month be I was ignored and I am not given the service that I deserve as a customer I has evidence for the process from XX/XX/XXXX. 

Last month they cancel the PMI after two complain with CFPB but for us the situation is Half solved XXXX the result was that they were left with {$2500.00} for all that month we are waiting for his employee doing his job. 

They were not responsible for the inefficiency of their employees ... ... .They delay the process so that the client pays more and they play XXXX as if one did not know what they are doing. attached you have the two complain and the appraisal.
Consumer complaint received 2021-05-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MD)

experian has an account for XXXX XXXX XXXX that is not mine on my credit file in the amount of XXXX i have sent in dispute letters on XX/XX/2021 and have not gotten a response back
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

XX/XX/XXXX To Whom It May Concern : On XX/XX/XXXX while making a purchase at XXXX XXXX, I was given a receipt demonstrating that XXXX was providing services for $ XXXX/month. When I called to inquire the legitimacy of the amount for service, I was verbally told over the phone that yes service was {$19.00}. XXXX asked for my information including my social security and came to install their equipment the same week. 

The following month, I received a bill for {$56.00}, so I called and canceled because as a XXXX  I could not managed {$56.00} and plus they told me it was {$19.00}. So in view of their trickery and deceit, I canceled their service. Three month later, XXXX reported my name for owing them an amount of XXXX for early cancelation fee. First of all, I never signed a contract with XXXX so I was totally unaware of the terms of their service. So when I called to inform them that I was unaware of their terms and requested the contract, they forwarded the attachment document in ( EXIBIT A ). As soon as I receive the document, I realized that someone had forged my signature in their contract which I was seeing for the very first time. I do not sign that gibberish language on their contract. I always sign my name in cursive as you may see in my XXXX Lease Document ( EXHIBIT B ). Since then, I have gotten married but my signature style has not changed. I still sign my name the same way, simply in cursive writing. Please see ( EXHIBIT C / D ). 

In addition to forging my name, on XX/XX/XXXX ( 3 years from the date I last received service ). XXXX sold the debt to XXXX XXXX a new debt on my credit report. 

Please see attached : XXXX Contract with fraudulent signatures Apartment Lease with my Original Signature Drivers Liscence Signature / Social Security Signature Police Report of fraudulent signatures Than you in advance for investigating this matter.
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (VA)

Navient XXXX XXXX XXXX, reported late 90 day and 120 day late payments to all three credit reporting agencies, when I indeed was not late, my account was in deferment, on top I was never notified of any changes or payments needing to be made, spoke with Navient on numerous occasions. The representative told me if I went in deferment my credit would be updated and then my credit was never updated, they came back and said they couldn't. They are very rude and not helpful in resolving this issue at all. They do this to everyone, because they know people need student loans. This is not fair and invading rights.
Consumer complaint received 2019-08-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my DL for proof of ID Please update my address to XXXX XXXX XXXX, XXXX OH XXXX
Consumer complaint received 2018-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/XXXX my father tried to send me money through Western Union in the amount of XXXX dollars. It was on hold ... then it was available. I went to XXXX 's in XXXX after XXXX XXXX CST ... to pick it up and Western Union reneged and put the transfer back on hold ... 

Today..My father went to go and get his refund ... the cashier at the XXXX XXXX in XXXX where he lives and they say there's no information ... meaning they are holding his cash! 

Western Union does not answer calls on their XXXX number ... they are of no help! 

My father has a XXXX XXXX and this whole ordeal is making him sick!
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (OH)

On or about XX/XX/2018 I received a call from Citibank d/b/a SearsCard that there were a suspicious attempt to charge my card at a Dollar Store in South Carolina. I told Citibank that it was fraud because I was never in South Carolina and had my credit card here in Ohio. Citibank told me that it would cancel my card and issue me a new card. Citibank did not tell me that there were earlier fraudulent charges also made in Souh Carolina. Because Citibank closed my account, I could not access my online statement or account information. Citibank told me that my balance was {$130.00} c and that I should pay it to avoid late fees. I paid it quickly on XX/XX/XXXX. Subsequently, when inquiring how that balance was calculated, I learned that there were three identical charges made in South Carolina for XXXX XXXX  totalling {$80.00}. Citibank knew that these we were fraudulent charges, too, but kept that information from me. I repeatedly called Citibank to dispute those charges, but each time a heavily accented female based in the XXXX demanded to know my checking account information, I do not have a checking account with Citibank, and told them so. Citibank a dozen times refused to accept my dispute. It appears that the XXXX were illegally trying to get my personal banking information totally unrelated to my credit card. And, twice Citibank told me that the new card was sent to the fraudster XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX SC XXXX because someone changed my account data to her name and address. Utter stupidity by Citibank! To date, I have neither received a new card, nor refunded the {$80.00}.
Consumer complaint received 2022-03-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC (DE)

In XXXX I have been attempting to pay my debt off.. But every time they call they cant say that they can not except the payment I asked to speak to a supervisor in a place me on hold and tell me a supervisor will call me back they never called me back. And all I wan na do is just pay this that off and get it off my credit report but theyre not letting me or accepting my account information
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd. (CA)

This company sent me a collection letter on XX/XX/2018 regarding an alleged debt that I know nothing of. I responded within 14 days, requesting debt validation according to the FDCA to provide proof of identity used to open the alleged account as well as a signed contract bearing my signature showing obligation to pay. They responded on XX/XX/XXXX with a copy of a bill print out. I sent a 2nd request for debt validation since a copy of a bogus bill that is not mines does not constitute as debt validation under the FDCA. Again I requested proof of ID used to open such account and a signed contract bearing my signature, along with a copy of a judgment and proof that they are licensed to collect in California. Their response was that they sent the bill print out as validation. This company is violating my rights, threatening me and at this point, I'm considering it as continuous harassment. They failed to validate this debt, they fail to respond to the requests in my letters and they continue to break the law and violate the Fair Debt Collections Act. They need to cease collections and stop harassing me.
Consumer complaint received 2018-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

I got a synchrony XXXX XXXX account. I never signed to for a promotional interest rate. To defer interest. They said {$850.00} was due by XX/XX/2018. I did not apply for this deferred balance. I am getting 20 or more calls a day. They are harassing me. Now my card looks like Its over the limit. Im buying a house and this card is destroying my credit. I have never been late and I should not have to close out my account to get a reduced payment. I have a XXXX XXXX XXXX account and the minimum payment is over {$100.00} for a XXXX balance.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
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 — Credit inquiries on your report that you don't recognize
Company: Atlanticus Services Corporation (NY)

Willl by law the validated my rights so by credit act I have the rights to disputes the Credit card if they are wrong end accurati hope you delete our dispute all they account are in my report ok
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (UT)

AMEX has a lien against my property for someone elses name. I have left multiple messages about this with their attorneys office & they will not speak to me because their client is XXXX and I am XXXX. IT is my house in my name and I need this lien removed from my property.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Financial Service Center of Ohio, LLC (OH)

I had a title loan with XXXX XXXX and for unforeseen reasons I fell behind, I stayed in constant contact with them to try and resolve my debt. On XX/XX/XXXX I was sent a text message from XXXX XXXX  advising that my vehicle had been put out for repossession. I called them immediately and agreed to a voluntary surrender of my vehicle. They told me to bring it in to their XXXX XXXX location to drop it off. I took the vehicle up to that location within 30 to 60 Minutes later and dropped it off leaving the key with the employees inside. On XX/XX/XXXX  XXXX XXXX XXXX ( XXXX ) took possession of my vehicle and transported it to their location in XXXX XXXX Ohio. On that same date XXXX did a condition report of the vehicle and sent it to XXXX XXXX.

On XX/XX/XXXX XXXX XXXX agreed to return My vehicle for the past due amount of {$640.00} dollars and refinance the {$3200.00} I owed. I choose to end my business relationship with them and cure my debt completely and paid the whole {$3200.00} that was owed. I was then instructed to go to XXXX and pay them a storage fee and collect my vehicle.

On XX/XX/XXXX I went to XXXX  to retrieve my vehicle, I paid {$80.00} to them and was sent outside to my vehicle. When I entered the vehicle, the key was left in the on position and the battery was dead, a tow truck driver there gave me a jump. When the vehicle started it was obvious that my exhaust had been tampered with because it was extremely loud. I instantly looked under the truck and noticed that my catalytic converter had ben removed. Cut marks on each of the pipes left behind showed a saw of some sort was used to cut away the converter. I spoke with XXXX and XXXX XXXX  and both took no responsibility for it. I was unable to drive the vehicle that day because nothing was holding the rest of the exhaust in place. When the exhaust was cut the muffler spun to about 45 degrees causing the tail pipe to hit up against the right rear fender of the vehicle. The pictures that was taken by XXXX XXXX  employee after the vehicle was dropped off shows the tail pipe sticking straight out from the rear and is obvious that nothing was wrong or missing at the tie the vehicle was dropped off.

The condition report that the auction sent to the finance company was listing a catalytic converter being present on the vehicle, according to the auction it was missing when they picked it up from the finance company. The pictures provided from both companies show that the converter was on it when left in their possession. The finance company claims they have no liability or responsibility to keep vehicles secured. This vehicle was stored for 4 days in the rear of their location with no fence or security cameras.

I had to pay {$1100.00} to fix the damage caused to my vehicle.