davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-23
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)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 n i made this clear for 60 days straight with transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with Fair Credit Reporting Act, XXXX Bankruptcy XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXXXXXX account XXXX, XXXX  XXXX, XXXX XXXXXXXX account XXXX XX/XX/2012, XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXXXXX XXXX account XXXX, XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX has violated my r ight s 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 2019-08-07
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. (IL)

My identity was recently stolen, and I saw a XXXX card opened in my name. I spoke to XXXX, and filed a complaint with XXXX, and they fixed their report. As part of that, I got a report from Experian, which showed the fraudulent account on my report with them also. I attempted today to file the complaint online and over the phone and I could not do so, and also I could not get through to an agent to explain what the issue is. Additionally, when I put in my social security number online it tried to get me to log in. I didn't have the username and password so I clicked " Forgot username '' and it said it sent it to an unknown email address that I do not own. So not only did Experian not let me attempt to file a complaint about identity theft and fraud on my report they also have allowed someone else to access my identity and potentially made this problem worse. It would be solvable if it were possible for me to speak to someone about it but there is absolutely no way I can find to do so from their customer service number.
Consumer complaint received 2017-08-29
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC (NJ)

I know that the XXXX branch of Cross Country Mortgage ( owned/run by XXXX XXXX XXXX, rather than using a secure XXXX network to transmit the MOST sensitive information possible, is routinely using the unsecured GUEST network of their neighbor, XXXX University XXXX XXXX, for all of their internet activity. The branch employees do n't even know the correct password to their own network.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

I have new and updated information. I complained against Equifax on XX/XX/2022 for denying me access to my consumer credit report AND file. Equifax responded on XX/XX/2022 with instructions to mail in my request so they could properly assist me. I mailed the request in for my consumer report AND file via certified mail with a signature return slip on XX/XX/2022. I received a notice from Equifax via mail on XX/XX/2022 without the signature return slip, which I expected back. The notice that Equifax sent in response to my request is a blatant stall tactic. Equifax continues to violate my rights as a federally protected consumer.
Consumer complaint received 2022-02-23
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. (TX)

I am a victim of identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXXXXXX XXXX. XXXX XXXX, that need to be removed immediately Inquiries Equifax : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX
Consumer complaint received 2023-03-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

To Whom It May Concern, I dispute your claim and request validation under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide a breakdown of fees, including how YOU calculated what YOU claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my email and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with the above-requested proof. Upon receiving it, I will correspond back with you. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-04-14
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. (OH)

I unfortunately had to file XXXX XXXX  coming out this pandemic, being a new home owner and going back to work. I filed XXXX XXXX. My lawyer pulled my credit report, XXXX XXXX  and even included old Credit card fromXX/XX/XXXX. TransUnion immediately restored my credit. XXXX Credit card closed the account on my credit, fine wise XXXX XXXX XXXX XXXX XXXX  which is also XXXX says needs attention with XXXX balance just dropped my credit XXXX  points. I need new windows and things for my house. Credit is everything and that is why I filed XXXX XXXX
Consumer complaint received 2022-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION (KY)

Between XX/XX/22 & XX/XX/22 there have been 6 @ {$36.00} NSF fee charges against my checking account. Bank has paid payees. 
I have never requested credit or overdraft protection from the bank. In fact they did this same thing last XXXX where they paid numerous debits to the account without my request for credit or overdraft protection. Every extension of credit earns the bank {$36.00}.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (NC)

I sent a letter to Exeter Finance dated XX/XX/2024 advising them that they are furnishing inaccurate information as well as outlining 15 U.S. Code 1681s-2. Requested a 1099C as they are reporting this account a charge off. They have never sent me any documentation and follow the law when it came to this. They sent me a copy of a contract and a letter dated XX/XX/2024 stating that they do not accept my documents it is fraudulent and the account was transferred to another company. They stated that they have placed the cease and desist on my account however they will continue to report to the Credit Reporting Agency as they consider the copy of contract and a transfer of ownership as validation of debt. Exeter is not following the law and responding with what I request I tried to handle it with them before going to the CRA or CFPB but they are not responding to my request with what their responsibility is by Law
Consumer complaint received 2023-08-23
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. (NY)

XXXX XXXX continues to report inaccurate information to credit reporting agencies. Equifax is not properly investigating & reporting. It states on my credit report that this account has been opened in XX/XX/2002. This is inaccurate & XXXX XXXX can not or will not provide data to support this.
Consumer complaint received 2022-02-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc (MI)

I don't owe anything to JJ MARSHALL with account number XXXX. They should have confirmed this from the Original Creditor XXXX XXXX XXXXXXXX since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I am a consumer ; natural living, breathing person. After reviewing my consumer report I have noticed that there are still inaccuracies on my consumer report which are not in accordance with 15 USC 1666b ( a ). The account XXXX XXXX reflects two past due payments for dates XX/XX/21 and XX/XX/21, the account should reflect on time payments for dates XX/XX/21 and XX/XX/21.
Consumer complaint received 2022-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following inquiry was unknown to me. The furnisher was unauthorized to pull my credit reports. Thus, there must be an error with TransUnion 's investigation. I have already addressed this issue to TransUnion but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed :
Consumer complaint received 2017-08-29
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. (CA)

XXXX/XXXX/XXXX XXXX systems used Transunion XXXX XXXX XXXX has incorrect information on my report. They are stating there is a judgment that is on there which does not belong to me. I have disputed it with them and they are stating they made an investigation but they ca n't tell me how it was verified and when. 

this information is inaccurate, i do n't have any evictions record at all. I want this deleted immediately.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$9500.00}.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I am writing again in regards to the inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I was never late on this account. There are multiple errors shown in my report. Please check the last payment, the account number, etc. This is a good standing account. Please verify that all information is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$10000.00}.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account is reporting 30 Days Late with a late payment in XX/XX/XXXX which is incorrect. This issue is specific to TransUnion reporting and has been previously disputed. My due date is the XX/XX/XXXX of each month. XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time and XX/XX/XXXX and XX/XX/XXXX 's payment was made on the XX/XX/XXXX on time. The issue has not been permanently resolved. Per Transunion, XXXX is not sending updated payment history for each month. There has been no payment history updated since XX/XX/XXXX for Transunion. XXXX and XXXX have up to date current information.
Consumer complaint received 2022-04-14
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. (CA)

n accordance with the fair credit reporting act XXXX  account # XXXX has violated my right 15 U.S.C 1681 section 602 A states i have rhe right for privacy 15 U.S.C 1681 604 section A section 2 ; it also states a consumer reporting agency can not furnish account without my written instruction
Consumer complaint received 2021-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia (VA)

I sent a debt validation letter to Credit Control Corp in XXXX XXXX on XX/XX/. It was received by the agency on XX/XX/2021 by certified mail. I have not received any validation of the debt claimed to be owed by this company whom which I have never done business with. I have not received a letter from this company providing proof that this debt belongs to me or is valid. There were a total of 3 separate " accounts '' in question. 

Failure to provide documentation in the allotted time ( 45 days ) violates my rights as a consumer. I have spoken to an attorney and he recommended that I file a complaint with CFPB before we begin moving forward with suit.
Consumer complaint received 2022-02-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation (FL)

I purchased a car with XXXX and used their preferred finance company, Bridgecrest. I decided to refinance my loan with my XXXX XXXX XXXX XXXX about 3 months later, in order to save on my monthly payment and rate. The loan was funded by XXXX XXXX and they sent my payoff to BridgeCrest. On XXXX I looked online and saw that my loan was paid in full with BridgeCrest, so I called and requested a payoff letter. They advised me that they could not provide me a payoff letter until 10 business days after the check they received from XXXX XXXX. Being that they had recently received my payment of {$530.00} on XXXX, i asked about the over payment refund, the representative advised me that any overpayment will be refunded to my after 10 business day. So they will continue to charge me a per diem for the next 10 business days, which is XXXX per day, even though they show my loan as paid off online as of XXXX. This is not only unethical, the customer is defrauded by their deceptive practices.
Consumer complaint received 2022-02-23
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)

Hi I am submitting this XXXX XXXX without 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 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX 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
Consumer complaint received 2024-01-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO Bank, N.A. (NV)

I attempted to open a checking account with BMO in order to transfer funds into it. I was told that I was not allowed to do to transfer of funds and flatout accused of fraud. I was told that they were retaining my funds n the account. When I informed them they had no legal right to hold my funds and that I was contacting your agency she didn't seem to care and hung up the phone.
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.
Consumer complaint received 2017-04-15
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

unlawful unfair abusive tactics to collect a consumer debt in iaw the [ fdcpa ] the are using legal jargon saying they need me to call back immediately to give tracing and location info to serve civil notice about some kind of litigation they have that never happened creating a false sense of urgency.they called my brother and told him all the details about my loan and ask him could he pay something on the loan.also, on XX/XX/2017 I received a recorded message about some reference number at XXXX at night waking up every one at home.i sent them a cease communication letter in XX/XX/XXXX but they just ignore it.
Consumer complaint received 2015-11-12
Product: Money transfers — Domestic (US) money transfer
Issue: Incorrect/missing disclosures or info — 
Company: Paypal Holdings, Inc (TX)

I recently received a phone call from PayPal Credit regarding an outstanding balance of {$140.00} for " PayPal Credit '' purchase I made in XXXX 2015. I have NEVER used PayPal credit before - only PayPal as connected to my debit card or bank account. Typically, this was for payment to individuals. This specific {$45.00} payment was to a friend who has a baked goods company and she baked and delivered an order for me. I paid via PayPal, as I have done several times prior. Then I received this phone call and a statement in the mail in XXXX 2015 with a {$140.00} balance, because I chose to pay with PayPal credit. I did NOT know there was a credit option via PayPal. This is VERY misleading and deceiving and I am not going to pay {$100.00} worth of late fees for something I thought I paid for in XXXX 2015. I had no way of knowing this purchase was going to be via a credit account - I would n't have done that.