davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I do not recognize these credit inquiries and I ask them to be removed and the bureau did not do as I ask. Im providing a identity theft report that Im attaching to this and Im requesting to be remove because they are inaccurate and not mine
Consumer complaint received 2019-06-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MT)

I received an email confirmation on XX/XX/2019 at XXXX mt stating that the dispute that I submitted in XX/XX/2019 was completed and the  investigation was closed. The email offers a link for me to check my results and each time that I click on the link, provide all of the correct information about myself, I received a result stating that more information is needed before I can see my results. I contacted Equifax by phone and spoke to a representative. The entire conversation was terrible due to a huge language barrier between the representatives and I. I could barely understand anything that she said or asked because of how strong her foreign accent was. I provide her with information and still left the phone call with no information on my results. I was told more information was needed for personal identity purposes. I'm very frustrated with Equifax and how difficult it is to solve and receive results of disputes. I've had perfect results and assistance with XXXX and XXXX but Equifax has a horrible online dispute system and many employees that aren't speaking English clear enough for consumers like myself to understand them.
Consumer complaint received 2017-02-24
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Brelvis Consulting, LLC (VA)

my fiance enrolled in this program being told that it would help him, all that. we attempted to cancel the service before the service they " offer '' was ever even rendered. we were told twice that his " contract '' does not allow him to cancel the service. i called one of the offices and they said it would be fine just call the other office, the woman i got was not helpful at all. without actually having the proper paperwork completed, they proceeded to work on my fiance 's behalf. we asked for a manager more than ten times all the while being told that we can not in fact speak to one and that she would be the one who would answer my questions. she then proceeded to explain to me that cancelling was not in their policy and that they could not because it was in the " contract ''. when i asked her to read to me where it said i could not cancel, she stated the refund policy. we do not want to be refunded, we just want the cancel from there forward. the contract states multiple times that this would be in effect until cancelled by me or the servicer. but she kept telling us that we could not cancel the service because it was being rendered anyways, even with us trying to cancel two times before hand. she even proceeded to mock me while on the phone with the tone of her voice and told me at one point when i asked another question, she said, " no, i asked you first '' like a child. this is the most unprofessional group and the biggest scam i have ever dealt with in my life. when i told her i would contact the bbb she hung up on me and told me not to call back. i have the entire thing on recording. she fought with us and told us that we were obligated until XXXX. DO NOT USE THIS COMPANY IT IS A SCAM. also, around page four of the " contract '' it is stated that the term of this agreement was in effect until four different outcomes have happened. one of the outcomes was that the client did not give all of the proper paperwork, which we did not submit due to the fact that we tried to cancel twice before, therefore, because of the contract, and us not " properly completing '' the paperwork, this service should be cancelled anyway. they have also stated that they have no record of us calling before to have the service cancelled, which is convenient. this service is something that our servicer for our loans has explained is a service that is free that we can do our selves and to charge {$990.00} to do something we tried to cancel before hand, is outrageous. and the way that woman spoke to us and then hung up. i am a little more than really outraged.
Consumer complaint received 2016-03-31
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (GA)

I have been disputed this same account for over the last year ... Here is XXXX # XXXX validation of this account was never proven and I have requested this information a number of times ... It has been 60 days and counting to get this account removed as it has stopped a number of times from getting credit. Equifax is in violation and nothing is been done about it why? Please have them remove this account ASAP. 
I have attached additional information and the credit never showed I owe this debt!!!! Please remove!
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Allied International Credit Corp., (US) (CA)

I am a co-signer on a loan with XXXX which is serviced by XXXX XXXX. I was contacted by Allied international credit as the primary borrower is 140 days past due with payments. I requested an accounting in writing from Allied International Credit and was informed that they do not provide statements of debt. I called XXXX XXXX to confirm the financial information regarding the amount past due that I was given by Allied International Credit. They told me the past due dollar amount. I requested a statement of the debt owing from XXXX XXXX and they told me that they could not provide this as I am not the primary borrower. In addition, the account number that Allied International Credit and XXXX XXXX gave me are not the same -- it appears that the numbers are transposed, so I have no way to verify how the payment I made will be applied.
Consumer complaint received 2016-11-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (MS)

I disputed several judgements that were listed on my credit report with Equifax. I received a letter stating that XXXX of them were deleted, XXXX was being updated to " satisfied '', and the other XXXX were verified. The XXXX that were said to be deleted are still on my report. I sent Equifax a method of verification letter, but never got a response. All XXXX judgements are still on my report even though I have had the incorrect addresses removed and disputed.
Consumer complaint received 2015-05-13
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation (IL)

Ftc case # XXXX, XXXX/XXXX/2008 states that reporting of tribute XXXX ( compu credit ) by XXXX party collections is prohibited. I have sent this documentation and a request for removal per this ruling to XXXX XXXX XXXX. They are refusing to remove this trade line after receiving sufficient information supporting the request for removal.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.
Consumer complaint received 2016-04-22
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: INVESTORS BANK (TX)

I reached out to, on XXXX from an email and phone call I got, for what I thought was a reputable loan finder and they set me up with a bank in NYXXXX called Investors Bank. I knew better, but I was desperate for the {$5000.00} loan they were offering. I paid some upfront for, what I now know is scam charges such as bank connection fee and so forth.I paid them around {$620.00} in fees to complete the loan. I was n't fully aware no bank would ever ask for fees up front. 

They claimed they were having trouble depositing my loan into my account so they did a " test deposit '' of {$1400.00} which I figured was legit and I was to pay it right back and I 'd get the full amount of the loan. What I did n't see was they disputed my XXXX XXXX XXXX charge ( basically called as if they were me to the dispute dept at XXXX ) and XXXX credited me the XXXX rent, vs them actually " depositing '' money. That 's why that {$1400.00} was in there. So I paid it back to them, and they promised I 'd have the loan amount in my bank this am. 

I contacted XXXX as I got an email about the dispute and put XXXX and XXXX together. To stop my apts basically getting an NSF for XXXX rent, I had to cancel that dispute. It will come out of my account tomorrow and I 'll be negative, big time. All in all I lost around {$2100.00} to these people and they are still asking for more money for the " transfer fee '' to complete the loan. I recorded the conversation and have reported them to the FTC and the XXXX XXXX. I also reported this to Investors Bank who said these men do not work for them and they reported it to their fraud dept.
Consumer complaint received 2016-12-15
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (OH)

This complaint involves my previous issue with Scottrade Bank and the transactions from XXXX. What is it going to take for you people to wake up??? XXXX stole my money, plain and simple. This " company '' is not even allowed to do business in the U.S. or with any U.S. citizens. That, in itself, is enough to make these transactions null and void. Contact the SEC and the CFTC and they will tell you the same! I 'm sure you have their numbers.
Consumer complaint received 2017-03-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Consumer Collection Management. Inc (FL)

Consumer Collection Management has been removed from one credit report a few times, but it keeps coming back, after it gets investigated and then removed. They have also made slight changes each time they resubmit it to the 3 reporting bureaus. Each time we have asked for proof of the debt and all we have ever heard, is because we have a form?! Where is the proof? Without proof they get removed, but then they come right back.
Consumer complaint received 2015-08-20
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: Critical Resolution Mediation LLC (MO)

CRM Collections company called my family, who are NOT listed as responsible parties on ANY of my bills, and told them I had a warrant for my arrest and that I had to call them back immediately. Also called my work number repeatedly from different telephone numbers, even though the calls were from the same company
Consumer complaint received 2019-06-03
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. (AL)

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2017-02-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (TX)

Hello, I have been having trouble with my loan provider, Navient. They continuously change the terms on my account claiming lower monthly payments. Yes, this sounds tempting but I never made such request because I do n't wish to be pulled into paying more interest. They also place my account into deferment which then turns into an automatic capitalization fee. I am enrolled in school but do not wish to be in deferment because I CAN make my payments. I call to remove account from deferent and they do so but still leave their fee saying that fee is government mandated and it cant be removed. And finally, interest and principal allocations always vary every month. One month {$180.00} can do to principal, next month only {$60.00} goes into my principal. I am extremely confused with how this company allocates my money and will I ever finish paying my loans if this company is trying to keep in wrapped up in just paying interest. I have never missed any payments, give more than I should to finish paying early but it just seems like this company does n't care for me just my pocket.
Consumer complaint received 2016-06-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I called Bank of America customer service on XXXX XXXX, 2016 and was told my wait time would be XXXX to 8 minutes. I was on hold for 25 minutes before I finally gave up and I hung up the phone. The next day ( XXXX XXXX ) I called the same customer service number and again they said it would be XXXX to 8 minutes and I was on hold for over 15 minutes before someone answered the phone. This lack of access and disrespect of customers should be addressed.
Consumer complaint received 2016-06-07
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Trying to sell a home that is part of an estate that I am personal representative of. Working with a title company have a cash buyer and bank of america wo n't release the deed until 60 days after payment has been made. Basically blocking me from sale title company has been working with them for over a month were suppose to close last month and have gotten no where they are close to foreclosure. The amount of the sale would pay them off in full meanwhile bank of america is charging more interest, penalties, and taxes. Loan was first a Va land contract and payments were made threw countrywide. Bank of america bought them out and now state is a mortgage payment.
Consumer complaint received 2024-02-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2021-01-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings (TN)

I attempted to initiate contact with this company IQ Data International on XX/XX/2021. I had just settled another debt and finished making payments, so I called this company to set up a payment arrangement. They stated they do not do that, and my only option was to pay within 5 days, or they will cause harm to my credit. I then offered to make 50 % of the debt arrangement on a date in XXXX  that worked with my payment schedule, as well as my other bills, and finish paying the other 50 % in XXXX  on the exact same day. Instead the company stated that I MUST call family to borrow the money, which is not an option, or that I MUST take out a loan with very high interest to pay off this debt ( which I can not afford any additional interest as I am on a fixed income ), or finally, they told me that I need to skip buying groceries to feed my family in order to pay the debt. Mind you, this debt has existed on my credit report for a year, I was calling to come to a resolution and get it settled within the next few months. It was all or nothing and ultimatums given to stop feeding my family, or stop paying for a roof over our heads to accommodate their demands.
Consumer complaint received 2016-08-29
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ENCORE CAPITAL GROUP INC. (PR)

A representative from the Collection Agency called XXXX XXXX has called my job several times stating that I have a debt and they have a wage garnishment. He spoke with the company 's secretary and in another occasion with the vice president. This debt is from 2006 and I think is a prescribed debt.
Consumer complaint received 2015-04-14
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Admin Recovery, LLC (OH)

My outstanding loan with XXXX XXXX was passed on to Admin Recover LLC. I received a letter about the debt and responded asking for verification of the amount owed ( which I believed to be incorrect ). Before my letter was received, XXXX XXXX from this place called me, called my friends and called my family leaving information that I am in trouble if I do n't call back. I do n't believe he should be calling all of those people. He left me XXXX voice mails before starting to call all of these people and discussing my " case ''.
Consumer complaint received 2019-06-03
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. (AL)

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Consumer complaint received 2019-06-03
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)

These fraudulent accounts are reporting on my credit report CREDIT COLL XXXX CREDIT COL XXXX CREDIT COLL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NJ)

CCS- ( XXXX XXXX XXXX ) calls me at least 3 times a day. When I XXXX their telephone number, it says they are a collection agency. Although I have never received anything in the mail from them. They never leave me a message and their number has been reported as scam calls. The last time they called me was Friday, XX/XX/2019. They usually call 3 times a day but never leave a message. How can you know if people are a legitimate collection agency if they never send you anything in the mail to dispute the validity of the debt?
Consumer complaint received 2018-03-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Penn Credit Corporation (KS)

This outfit robo-calls my home number 4 to 6 times a day. They never leave a message or anything. I do not owe anyone any money and have not for more than fifteen years. 

I have never received any documents from them or any supposed distressed creditor.
Consumer complaint received 2018-03-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC (FL)

Order Summary Order Number : XXXX Order Status : Deposit in Transit Your money transfer has arrived! 

The money transfer you sent has arrived. Let your recipient know that it will be deposited in their account soon. 
Order Timeline Money Transfer Created XX/XX/2018, XXXX XXXX GMT+9 In Transit XX/XX/2018, XXXX XXXX GMT+9 Sent to Agent XX/XX/2018, XXXX XXXX GMT+9 not complete.

please help me they don't deposit my money
Consumer complaint received 2023-03-28
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: EQUIFAX, INC. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX CREDIT XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX
Consumer complaint received 2019-06-03
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. (OR)

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

XXXX XXXX
Consumer complaint received 2019-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am extremely concerned about the actions the credit bureaus are having on my life..I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I do not own the accounts ... CFPB step up and remove the following XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX