davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
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)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1100.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2016-08-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Herbert P. Sears Co., Inc. (CA)

I am owing money to XXXX, XXXX. I am not sure why I have a debt of {$1100.00} or why this collections is open. I have not visited this dental agency since I was a child and had braces as a child. before my mother pasted I had my braces removed at the age of XXXX. I have not been to this dentist over several years now.
Consumer complaint received 2016-10-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC (NC)

In XXXX XXXX I purchased a XXXX vacuum cleaner from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX. They got it financed through Monterey Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX at 22 % interest, 36 months paying XXXX a month. I have made XXXX payments so far. In XXXX I went on line to make a payment using my credit card because I had n't worked all summer and I knew my bank account would be short. I did n't want a late fee so I payed it on the due date XXXX/XXXX/XXXX, but the payment on line was XXXX. I submitted the pay then called to let them know I had paid it. I was told by XXXX that I would still have to pay a return check fee of {$25.00} because they had processed for the check to come out of my account and it would be returned as insufficient funds. She told me the XXXX was to cover the online fee of XXXX and the payment of XXXX ( my payment ). I said why the extra XXXX. XXXX. She said she could take that as part of the XXXX rcf, and she would attach the balance of XXXX to my next auto draft. I said fine. My XXXX Payment was XXXX. The XXXX was satisfied. Today I got a call saying I still owed {$8.00} + change, and they were calling to collect a debt. I explained that I did n't owe anything other than my regular payment. They told me I owed processing fees and the rest of the {$25.00} fee. They told me I payed by phone which is {$15.00} not on line like I actually did. Plus there was nothing on the website that indicated a fee to pay online. I paid this bill to avoid the {$99.00} payment when you are late. This happened to me once when I was a day or XXXX late a nd I thought it was excessive so I did n't want this to happen again. When I said I refused to pay it because I paid the fee, XXXX the supervisor told me she would wave the XXXX dollars but I would still have to pay {$3.00} with a {$15.00} processing fee because the penalty for them not collecting the money directly from my bank account totalled {$99.00}. Regardless the figures just did n't add up. I am disgust ed with them. They are charging and over charging because at the time of purchase my credit was not good. I feel I 'm being robbed and cheated. I want to pay for this product but not with such harsh penalties and high interest. I am retired but still working to keep up my responsibilities. These people are crooks. Total cost of product {$1500.00}. But I still have over a thousand to pay.
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX BOA HAS ERRONEOUSLY REPORTED ON MY CREDIT A COVID RELATED DEBT THAT IS COMPLETELY OUT OF MY HANDS. 
THEY HAVE RECEIVED THE REFUND VOUCHERS FROM THE AIRLINES BUT HAS FAILED TO ACKNOWLEDGE THEY HAVE RECEIVED A REFUND. 

THEY HAVE REPORTED ERRONEOUSLY PRIOR TO INVESTIGATION ON MY CREDIT REPORTS AND DESTROYED MY CREDIT.
Consumer complaint received 2016-06-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Monterey Financial Services LLC (CA)

XX/XX/2014, my doctor ordered XXXX from a XXXX company called XXXX XXXX XXXX XXXX aka XXXX ( this company has now filed bankruptcy, see this article : XXXX ). They were supposed to submit the bill to my insurance company, but my insurance company states they never received any billing/payment requests. Nor did they send me any kind of notice that the insurance company had not made payment, and I needed to make payment to XXXX. They then sent my account to this collection agency, Monterey Financial Services, LLC. Last month, Monterey Financial reported my account to the credit bureaus, and it severely damaged my credit. Never at any time did XXXX XXXX XXXX or Monterey Financial Services send me any form of notice of the debt, or make a call to me in an attempt to collect the debt. The damage to my credit has cost me financially. 

When I call the attorney 's office that handles XXXX 's billing, the phone rings continually, with no one picking up, and does not go to voicemail. When I call Monterey Financial, they simply tell me I 'll have to talk to XXXX.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (IL)

I recently applied for a mortgage loan and was approved but my terms were not favorable due to my credit report. When I pull my own report, the values are higher and positions me to have a ideal loan. Unfortunately, the information submitted to loan companies is different by nearly XXXX to XXXX points which can truly affect interest rates. I pay a service to see my FICO scores yet what is reported is much lower. How do I resolve this? 

I have attached a snap shot of what the mortgage company received and what value I received from the actual bureau in which my approved mortgage value was affected.
Consumer complaint received 2024-01-27
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name 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  has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-06-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: National Credit Systems,Inc. (GA)

National Credit systems is reporting my debt collection on my credit report for {$880.00}. We offered to pay it in full and get it deleted but they refused. It was sold to a Law firm without our knowledge. So national credit systems is reporting it and the law firm is collecting this is not ethical.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (FL)

I received XXXX letters from XXXX XXXX dated XX/XX/XXXX regarding account ending in XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 
The XXXX letter Dated XX/XX/XXXX stated they correctly reported the first date account ending in XXXX became deliquent was XX/XX/XXXX. 

On XX/XX/XXXX aprx XXXX. I called XXXX XXXX at XXXX. 
Customer Service Rep XXXX Stated he was not able to verify any old statements on account ending XXXX. He stated he could not tell me or verify the date of first delinquency. He stated he did not have this information and had no previous statements on this account to provide me with the information regarding this accountI believe that XXXX XXXX does not have sufficient information to verify this account
Consumer complaint received 2015-12-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (CA)

Regarding item # XXXX car loan for XXXX XXXX be reported by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, CA XXXX. PH : XXXX. This loan was paid in full on XXXX and is recording late payments on my credit report of Experian and XXXX XXXX. Experian says this will stay on report until XXXX and XXXX XXXX until XXXX. The first late payment XXXX so this item should drop off my report by XXXX. Why is Experian keeping on my report until XXXX? Inconsistent reporting by Experian and XXXX XXXX XXXX. These items listed more than 7 years from first delinquency. Removal dates for Experian and XXXX XXXX not consistent. I have several issues with XXXX XXXX XXXX not recording my payments correctly when loan was active. I want XXXX XXXX XXXX XXXX account deleted from both Experian and XXXX XXXX ASAP.
Consumer complaint received 2024-01-27
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)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Consumer complaint received 2019-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

Transunion and XXXX  have addresses that aren't mine wrong dates accounts still open wrong balances XXXX has my dad 's addresses and phone numbers wrong balances on the free annual report but I have an account with them and none of that appears on my account there giving me a different report than the free annual report says
Consumer complaint received 2017-05-01
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. (NY)

I contacted the  XXXX  credit bureau to make updates on my credit report. However I have been getting the run around sending letter after letter to get updates with inquiry and address change. I have  one address as well as one comp any. I am employed with too.     My Home Address  XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  I have been employed with the same company for  XXXX  years. I have been in contact with the  XXXX  credit bureau to make updates and correct everything from address updates to inquiry , Negligent, Defamation,  Please advise me on this matter..      Sincerely   XXXX   XXXX
Consumer complaint received 2016-09-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My student loans have been discharged by the Department of Education due to XXXX. I now no longer owe anything on these accounts. These accounts should read as closed with XXXX balance. Here are the account numbers : Navient, account # XXXX ; and XXXX accounts with Department of Education XXXX, all with account # XXXX. Trans Union refuses to make the adjustment.
Consumer complaint received 2017-02-10
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (TX)

My mortgage is with XXXX and Selene Finance was the processor for my modification. I was approved XX/XX/XXXX, and trial payment were to be completed from XX/XX/XXXX - XX/XX/XXXX. Once completed, my modification documents were never sent back to XXXX for finalization. As of XXXX, Selene Finance is no longer a XXXX party vendor for XXXX and due to the servicing transfer, they were to send my complete file with financials to XXXX so that my HAMP modification can be completed. This was supposed to take place XX/XX/XXXX and it is now XX/XX/XXXX and Selene Finance is not responding. I need for my modification documents to be sent to XXXX so that my modification can be completed.
Consumer complaint received 2016-09-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (WI)

Hello, I feel I am a victim of fraudulent charges and/or identity theft. First, there were fraudulent charges made using my debit card. Then, someone accessed my banking information and changed my username, address, and email. Next, there were fraudulent charges made on my credit card. I spoke with representative from my bank and claims department. They are currently reviewing the credit card charges. I believe this person has also set up an online presence through a social media site called XXXX and used my username with my favorite number attached to it. I 'm very concerned this person has access to all of my banking information. All of my credit cards are on hold at the moment. I need to protect my identity and credit so this person does n't move further and use more of my information. Again, I 'm very concerned and would like to monitor my credit. Thank you.
Consumer complaint received 2022-02-15
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. (MD)

SO I have been receiving calls that i'm applying for car loans and i'm at work and i called the credit bureaus to have an fraud alert put on my accounts and to notify me if anyone tries to apply for credit but that went in vein. I have 31 unauthorized inq from car places that i didn't do and the police said I can't get a police report and the credit bureau is saying i need it in order to have these removed so I stuck and not sure where to go from here. I just would like for all the inq to be removed from my XXXX account. ( 31 )
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

American Express promotes to new credit card holder to sign up for its Platinum personal credit card with an annual fee, and the new cardholder will receive XXXX welcome bonus points XXXX to XXXX weeks after meeting the spending requirement of {$5000.00} and satisfying its terms within 90 days of opening the account. I had met the requirement and company has not given me the bonus points after XXXX weeks and telling me to wait for another XXXX to XXXX weeks, despite me contacting them 4 times and their reps told me repeatedly the bonus will post in XXXX to XXXX weeks. 

American Express finally opened a case on XX/XX/2019 and I was told it would take XXXX weeks to work on the case, but it usually would be much quicker. After checking with them each week for the last XXXX weeks, I was told they are still working on the case. It has been around XXXX weeks and I don't know if they will honor their agreement or not.
Consumer complaint received 2017-05-23
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. (CA)

I notified Transunion customer service of some unauthorized credit inquirys and they would not take care of it and as a result my credit is being negatively impacted. I spoke with customer service on  XXXX   XXXX ,   XXXX   at about  XXXX   XXXX   Pacific Standard Time.       XXXX   XXXX ,   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2016-01-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: S&S Physician Services, Inc. (TX)

I have asked them to provide me proof of this debt ie {$66.00}. never been able to provide, but yet they have submitted to Equifax XXXX ( XXXX ) times. XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Irrespective of the fact that no proof has been submitted of this debt, posting multiple times is not acceptable practices.
Consumer complaint received 2024-01-27
Product: Credit reporting 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. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Consumer complaint received 2017-01-01
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have reached out a number of times to Transuion, sent all supporting documents required. Drivers License, California I.D and a Bill to support the claims for the disputs, so why are they requesting me to send in these documents. I 've done so everytime, and why are they requesting 60 days when they have by law XXXX 45 days to complete an investigation?
Consumer complaint received 2015-08-03
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC (TN)

I have told title max repeatedly that I am not being paid my paycheck on time due to having to wait for the government to sign off on our commission. I work for XXXX..and yet they have still been calling XXXX and sometimes XXXX times a day filling my voicemail box.
Consumer complaint received 2015-07-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , XXXX-XXXXTrans UnionXXXX XXXX, XXXX , XXXX XXXXTo Whom It May ConcernI sent a letter to you disputing XXXX unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/XXXX and mailed them certified, return receipt requested. I received notice in the mail that you received the dispute letter on XXXX is now XXXX/XXXX/XXXX and I have not received a response from you. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit InquiresFollowing creditors responded me and they ask me more information 's. They fail to respond with in 30 days time period .all letters attached. please remove following inquiresCreditor Inquires DatesXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX/XXXX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXXFollowing Creditor 's not responded at allCreditor Inquires DateXXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXEnclosed find a copy of the receipt showing when you received my credit dispute and a copy of my original letter showing all accounts I have disputedThanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX