davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
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. (FL)

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or update the following items : CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX2024 Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute information on my credit report in accordance with the provisions outlined in 15 U.S. Code 1681i. I have carefully reviewed my credit report, and I have identified the following inaccuracies : XXXX XXXX  Account # : XXXX Amount : {$950.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX XXXX Account # XXXX Amount : {$570.00} XXXX XXXX Account # XXXX Amount : {$950.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Amount : {$2700.00} XXXX. XXXX XXXX XXXX Account # : XXXX Amount : {$0.00} XXXX. XXXX XXXX Account # : XXXX Amount : {$0.00} I do not have a contract with this company and I don't owe the debt, please delete immediately. 
I am requesting a thorough investigation into these items, as they are not reported accurately. I have included supporting documents that substantiate my claim, such as Letter, Driver 's License and Social Security Card.

Please ensure that these documents are taken into account during your investigation. 
According to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), you are required to complete your investigation within 30 days of receiving this letter. I kindly request that you provide a written response, including the results of your investigation and any actions taken, within this timeframe. 
If you determine that the information is indeed inaccurate, I ask that you promptly correct my credit report and provide me with a copy of the updated report, as well as to notify all parties who received my credit report in the past six months. 
I appreciate your prompt attention to this matter. Please do not hesitate to contact me if you require any further information. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-06-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP (NV)

I have had a mortgage for a little over two years since XX/XX/2016. my loan servicer is US Bank and recently because of increased bills and credit cards out of control and my wife has no income. I have asked US bank to start Loan Mitigation to help me in payments on the loan. in this process I have been in contact with them and completed all paperwork. the problem is that even though I am in the process they continue to call me form there collections dept. sometimes 3-4 times a day and leave me messages about contacting them for payments. I have asked repeatedly for them to calling me as I know that I owe them payment but it continues. it is amounting to harassment and I have asked them to limit the calls, which they say all I can do is ask for Cease and desist contact which I don't think would be wise. I would just like them to process my application and stop harassing me for the payments as I am doing the best I can with my situation.
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. (MI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$3900.00}
Consumer complaint received 2024-02-10
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX my account was credited in the amount of {$2800.00} for fraudulent charges that had been charged to a reported lost credit card. On XX/XX/XXXX the credit was reversed and my balance went way past its limit. I made a payment of {$5000.00} which posted on XX/XX/XXXX. The payment was never credited to my account. After months of going back and forth with customer service in good faith I decided to mail in my payment of {$870.00} on XX/XX/XXXX which was currently past due. On XX/XX/XXXX I received a notice that they received my documents but failed to process payment or credit my account. I asked them to return my payment if they were not going to process it and I still have not heard from them. Instead they have reported to the credit bureaus that they have closed my account.
Consumer complaint received 2019-06-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (GA)

Santander knows that my car was in a total out accident. Which wasn't my fault. They had my insurance payment held it for about 10-15 days. Then applied it to my account. Now they turned around and reported me to the credit reporting agencies on XX/XX/2019. Like they never received any payments from me or the Insurance company. They have me 30-55 days late. This also brought my score down alot. which has now ruined me from my home purchase which I was in the middle of doing. So now they are going to turn me down for my loan because Santanders just caused me 40 plus points on all three of the credit reporting agencies. I believe they did this purposely because, I made a complaint to your company two weeks ago about them charging me late fees once they applied my insurance payment to my account. They also told me that it would take them 3 to 4 days to apply the other {$3300.00} Insurance to my account and that was last Friday at the beginning of the month and its the XXXX and they have my account still not correct. Im requesting to take legal action against this company and requesting for monetary damages. I was expected to close on my loan on XX/XX/XXXX but, now that my score has went down and they repull my credit for closing I will be turned down for the loan and its Santanders maliciously intent to cause this damage to my score.
Consumer complaint received 2019-06-15
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. (GA)

Equifax " reinserted '' an account back to my bureau on XX/XX/2019. 
The ( XXXX /XXXX  ) disputed account was removed between XX/XX/2019 and XX/XX/2019. I received an email stating my score increased 41 points. I have attached the copy showing this. 
" I was never notified by Equifax that this item would be reinserted ''. Equifax reported to XXXX XXXX when my credit increased the day the item was removed. However, several days later I received a new report that the account was reinserted which caused my score to drop 38 points. I called Equifax immediately and explained this error to several representatives on both XX/XX/2019 and XX/XX/2019 some of the names are XXXX and XXXX. I was on the phone and placed on hold with XXXX several times. Unfortunately, I was not assisted with my request to re-remove the negative account. The representative said the dispute was completed XX/XX/2019 and then stated it was verified by the creditor on XX/XX/2019. I was not provided details of how or why this information was reinserted, there were no documents provided to me from Equifax or from XXXX   XXXX  to warn me. I then spoke to the supervisor XXXX about the status of the disputed account he now says it is now still in process. Equifax is out of compliance because I should have been notified within 5 business days of the reinsertion.
Consumer complaint received 2019-03-09
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)

I wrote each bureau regarding accounts that are currently reporting to my credit that are a result of identity theft and are not mine. In my request I asked them to remove these items due to them being a result of identity theft, and they have not done so and they have not responded. 

TransUnion are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX  are reporting the following fraudulent accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX I then asked them to provide proof that these were my accounts due to them not having removed them and they did not respond. Both failed responses exceeded the 60 day standard timeframe it takes for them to respond.
Consumer complaint received 2019-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co. (VA)

This is NOT my debt. This is extortion. Why is this appearing in XX/XX/XXXX for the 1st time but opened in XX/XX/XXXX?  It's extortion to get me to pay something not mines to make it go away. I have always had great medical benefits. I have never received a bill because it is not mine!. This appear on my XXXX XXXX report via XXXX as of XX/XX/XXXX but for XX/XX/XXXX. WRONG PERSON
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I hope this letter finds you well. I am writing to express my deep concern and frustration with the unresolved issues related to fraudulent items on my account. Despite numerous attempts to rectify the situation, these fraudulent entries persist, causing significant distress and financial hardship. I would like to outline the unsuccessful attempts I have made to address and remove the fraudulent items from my account : Despite my persistent efforts, the fraudulent items remain on my account, adversely impacting my financial standing and creditworthiness. This situation not only jeopardizes my trust in your company but also raises concerns about the effectiveness of your fraud prevention and resolution procedures. I understand the seriousness of dealing with fraudulent activities, and I expected a swift and thorough response to protect my interests as a valued customer. However, the lack of resolution has left me deeply dissatisfied and compelled to escalate this matter further. I urge you to conduct a thorough investigation into this matter and take immediate action to remove the fraudulent items from my account. Additionally, I request a detailed explanation of the steps your company is taking to prevent similar incidents in the future. If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including reporting the issue to relevant regulatory authorities and seeking legal counsel. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have disputed this account, because it is inaccurate, I have also requested validation of the debt. 

In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead capital one responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. 

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 that 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 ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Consumer complaint received 2019-06-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Arivo Acceptance, LLC (NV)

My auto loan account XXXX with Arivo Acceptance has been an outraged these past few months. 

Early in 2019 I had requested a due date change with my account representative XXXX who with out notice or cause was changed leaving an open situation that no one could seem to resolve. 

I was told my due date was move from the XXXX of each month until the XXXX which is not was agreed upon. Trying to reach the original representative on my account has been impossible. 

I have been what I can say is harassed by this company as they changed my address on file after trying to cross reference my file and has been sending statements to an address Ive never seen or heard of. The new account representative XXXX who I never heard from prior to him reaching out demanding I pay my payment after one day past a due date I didnt agree to! I have made several payments and have sent sensitive bank information over via bank statement and have spent numerous hours sending emails and calls to this company to try to get the fees rectified that I was charged in error and we are still not to a resolution that is beneficial to me as the customer/consumer. 

I paid my both my XX/XX/XXXXand XX/XX/XXXX payments more than 2 times each, both with different banks, were returned to my bank due to an error with Arrivo Acceptance. Each time a payment was returned there was nothing effecting the available balance before or after each transaction and this information was sent to this company via bank statement and they failed to clear up the problems. 

I want someone to step in and assist with this companys bad business practices as of today it looks like I owe nearly triple of what I originally was due to pay.of {$360.00}. The due needs to be changed to a date that is convenient for me and I would like them to stop badgering me with calls but not fixing any of my issues.
Consumer complaint received 2019-06-14
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: SYNCHRONY FINANCIAL (CA)

There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are Syncb/amazon XXXX FL, XXXX XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?
Consumer complaint received 2023-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

In XX/XX/XXXX, I placed 1 charge for {$67.00} on the card. I had not used the card in over 2 years but previously had Autopay setup. According to bofa customer service over the phone, Autopay was disabled automatically because it had not been used and no notice was ever sent to me. Since I did not know that, I assumed autopay would pay the balance at the end of the month and did not monitor it. The FIRST notice I ever recieved that there was an issue was in XXXX or XX/XX/XXXX. I immediately called bofa to see what was going on and shortly after paid the entire balance AND interest charges. 

Now bofa is reporting negative info to my credit reports stating that the account was past due in XXXX and XX/XX/XXXX. While that is technically accurate, it does not acknowledge bofa responsibility for causing that by disabling autopay and not contacting me about a late payment for over 3 months. The have my address, my email and my phone number. But rather than let me know, they prefer to just ruin my credit over {$70.00} that was their fault for not being paid in the first place.
Consumer complaint received 2019-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Today XX/XX/XXXX I have been trying to talk TransUnion about my credit report but not help and take care of the negative inquiries reporting to my credit report. 
List negative inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting 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)

I looked at my report on XX/XX/year> and on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The account with XXXX Account : XXXX And one more thing according to 15 usc 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency in the person knowns or has reasonable cause to believe that the information is inaccurate. As you can see on the first credit report on XX/XX/year> that I first noticed that they reported inaccurate information with Experian, XXXX and XXXX and now noted and also attached XX/XX/year> inaccurate information. 

Check the attachments.
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. (AL)

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (OH)

Debt Recovery Solutions LLC I was going over my credit file and seen a unverified account from Debt Recovery Solutions LLC XXXX! I don't recall even doing business with this company. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am unaware of the amount due and your bill does not include a breakdown of any fees or services never provided.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019, I sent XXXX a request to validate that Bankruptcy Chapter XXXX reporting on my credit file. XXXX continues to report this inaccurate information. Have failed to provide a copy of any viable evidence submitted by Bankruptcy chapter XXXX. 
I have advised XXXX that an employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 
Also, they need to be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
They have not provided me any documents bearing my signature, showing that I have a legally binding contractual.