davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I want the account removed from my reports at the 3 credit agencies within 72 hours of this complaint. I will also be obtaining a loan audit report done on all my accounts with this company by a XXXX registered CPA to uncover the misconduct of these loans and selling on the secondary market without my knowledge. I also know that these were sold to another company and I did not agree to have my private information given to another company. I want the account removed as I will be getting an audit done if not removed within 72 hours from all 3 credit agencies. 
Account # XXXX
Consumer complaint received 2020-05-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (CA)

I have called the multiple times to try and pay ( forgot the day but on 2 separate occasion ). Instead of talking to me when i gave them their account number they asked for information such as my social security which i have not given them nor have given them any right to that information. XXXX XXXX XXXX shared my social security with this company and now they are claiming that there was fraud on my account and want me to put in writing to them all of this information which i have refused to do.
Consumer complaint received 2020-10-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

The information in my credit report is incorrect and it continues to affect my credit score. I have attempted to come to an agreement with the creditors to no avail. I was younger when my credit score decreased and I have taken steps to correct it, including paying off and closing the accounts myself. I need assistance in this matter so that I can increase my credit score. This inaccurate reporting has diminished my chances of obtaining new credit, which is a major problem.
Consumer complaint received 2020-10-21
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. (PA)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft. 

XXXX XXXX XXXX {$1200.00}
Consumer complaint received 2020-09-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Security Credit Services, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2018-07-15
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: Experian Information Solutions Inc. (IN)

My XXXX and XXXX XXXX student loans has never been late. They have removed them and put them back several times. I have consolidated two of my XXXX loans and they have been closed for six months, XXXX XXXX loan is currently in deferment and they are both being reported as late. I have contacted all three credit bureaus on XX/XX/XXXX and XX/XX/XXXX by certified XXXX letters disputing the information. They both sent me updates saying that the information was verified and correct. XXXX has removed all the negative information from my report as far as the items reporting late. These two have refused to comply with the request from the loan companies as well as myself. I have called and spoke to XXXX and XXXX XXXX about them reporting me late. They both told me that they have sent request to the four reporting agents and asked them to remove the negative ( late ) status since XXXX. XXXX XXXX went as far as sending me an email stating that they have requested for the information to be removed. I need this corrected ASAP as I am trying to apply for a mortgage.
Consumer complaint received 2018-07-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

The loan was transferred back to Bank of America ( BOA ), after several years with XXXX XXXX and then XXXX XXXX. This transfer occurred in late XX/XX/XXXX. The loan was established by the Bankruptcy Court ( in XX/XX/XXXX ) as a fixed rate, interest only loan. However, Bank of America claimed that the mortgage was a variable rate mortgage and increased the loan from {$1200.00} per month to {$2100.00} per month, beginning in XX/XX/XXXX. I contacted Bank of America and sent them documentation showing the correct information, including the amended plan of reorganization approved by the Bankruptcy Court.  BOA claimed they had no records from when they had the loan previously. I got letters each month, stating they were " working on it '' but nothing was ever resolved. I paid off the loan in XX/XX/XXXX.  BOA never resolved the mistake and never issued a refund. I contacted the fraud section of BOA many months after the loan was paid off and was assured someone would contact me. I never got a returned phone call or a letter.
Consumer complaint received 2018-07-15
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: Experian Information Solutions Inc. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2021-09-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CIT BANK, NATIONAL ASSOCIATION (IA)

XX/XX/XXXX I sent the company a debt validation letter. They instructed the credit reporting agency to have me contact them. When I did the refused to reply. They continued to violate my consumer rights, pursuant to fact, 15 us code 1692b, 15 us code 1692g, 15 us code 1692c, 15 us code 1692d ( 1 ), ( 2 ), ( 3 ), ( 4 ), and others. I contacted them again in XX/XX/XXXX, again no response.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (GA)

I initiated funds transfer from my debit card Way2gocard-Mastercard to transfers funds to my checking account. The wire was initiated on XX/XX/20 for1100.00 the amount was deducted from the card, but the funds never made it to mybank. 

I called the customer service # provided and it is an automated number, No help at all. 
Contacted the bank that issued the card XXXX XXXX  and they could not help me. 
They refered me back to the automated # which does not have operators. 

I need the money.
Consumer complaint received 2018-07-15
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: World Omni Financial Corp. (FL)

On XX/XX/2018 I went to test drive and get information on a vehicle that I wanted from XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX. I explained to the salesman who greeted us several times that I was not ready to purchase, I was just researching to be prepared. After viewing the car, he sat me down and asked if he could have my information to see what prices he could offer on a lease and a purchase. I agreed and only gave my name, address, and what kind of payment I could afford. He came back with decent numbers but as I had explained, I was not ready to purchase or lease that day. As I was leaving another man called my name from the front door and asked me to give him 10 minutes. He came back with a great deal. No money down, payment of {$290.00} a month. Of course I caved. I filled out all the paperwork, gave them my license plate to transfer, added the car to my XXXX policy. While I was waiting for them to come out with the final paperwork to sign, I was called into the finance office. The finance manager said they couldn't honor the deal without a large down payment. The banks wouldn't approve an 84 month loan. He said my credit was not the problem, the terms were. I was not made aware that the term was to be for 84 months. He asked for the name of the salesman that offered me this deal and when I told him he said Oh, he hasn't been here long, he transferred from another region and had no authority to make such a deal. They tried to talk me into leasing with a down payment or financing with a down payment but the payment would be {$390.00} a month. I walked away from that as I had a bad taste in my mouth from dealing with the salesman. 
The next day I received a notification that my credit score had changed. The XXXX finance manager ran my credit with 3 different banks trying to get it approved. Each hard inquiry was a 3 point hit on XXXX. I feel they should have asked me after the first bank did not approve their terms, not keep trying. I don't believe I was treated fairly.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My credit was up with transunion report, we bought a home, did not open any new accounts, and its dropped 100 points. Transunion has always been much much lower than the other two for whatever reason and it cost us a conventional loan.
Consumer complaint received 2018-07-15
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: EQUIFAX, INC. (IL)

I was a victim of identity theft due to a massive data breach via Equifax and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
Consumer complaint received 2023-01-31
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 — Problem with personal statement of dispute
Company: Paypal Holdings, Inc (MD)

I am filing this complaint against Paypal because I believe that they are retaliating against me for disputing an alleged debt. I asked them to validate an alleged debt. I also made them aware that in addition, under 15 U.S. Code 1681 a ( 2 ) a ( 1 ), late payment reporting is a violation. They are transactions and experiences between me, the consumer, and XXXX  and should be excluded from my credit report. They have since limited access to my Paypal account. They are deceptively pretending to give me an option to resolve the issue by changing my password, but the website will not permit me to change the password, which prevents me from accessing my funds. This is retaliatory behavior, when they are in the wrong.
Consumer complaint received 2022-04-05
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. (FL)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (IN)

On XX/XX/XXXX XXXX, I called at the customer service of 53 bank to request only 3 months of paper bill for the month of XXXX, XXXX and XXXX of XXXX, she said its only $ XXXX page so I said its only about $ XXXXBut I was shocked I was charged a Photocopy/Research Fee of {$120.00} .. The representative I spoke to on XX/XX/XXXX told me that the previous rep had printed 2 years worth of paper bill but they cant waive it. I spoke to several agents after on the same date XX/XX/XXXX who told me they cant dispute it because its coming from their bank ..I spoke to supervisor named XXXX on the same day as well on XX/XX/XXXX, who wasnt able to resolve the issue..I even call the actual bank manager in downtown XXXX XXXX who told me that he will stick to the decision of the previous rep to just give me {$15.00} when I in fact was charged $ XXXX.this is really frustrating and I want to cancel this account because I dont want to pay when this is obviously a bank error on their part .Poor customer service.
Consumer complaint received 2019-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AR)

XXXX  XXXX XXXX, XXXX XXXX XXXX AND XXXX XXXX XXXX, AND XXXX XXXX AND ALL COLLECTORS FAILED TO DELETE ALL THEIR ACCOUNTS FROM XXXX! BK NO.XXXX
Consumer complaint received 2018-07-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I received my free credit report from TransUnion in the mail on XX/XX/18. Started my disputes online on XX/XX/2018. After I submitted my online dispute the generated message from TransUnion shows my dispute estimated completion date as XX/XX/2018. This date I was given is exactly 60 days from the date I filed my dispute. By law of the date would be a FCRA violation of my rights. A CRA has 30 days to make its determination, the law states the CRA will have an additional 15 days if doucuments are submitted with the dispute. Under FCRA 623 ( b ) ( 1 ) the estimated time is in which TranUnion gave me to complete the dispute is in clear violation of my rights. If TransUnion fails to comply with the law and resolve my dispute in a timely manor I will file a complaint with my Attorney General.
Consumer complaint received 2021-09-15
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. (TX)

I contacted the credit bureau to inform them that these companies had performed UNAUTHORIZED inquiries on my report and the bureaus stated I needed to contact the companies individually, which I did and the companies stated they had no knowledge of these inquiries and I needed to contact the credit bureaus. The bureaus are refusing to remove these inquiries and it is causing problems with my credit profile. Several of the inquiries are duplicates. 

I received a letter from the credit bureau stating these places have a right to perform these credit inquiries, which is false. If I didn't authorize them, they should not be on my credit report. The credit bureau is still refusing to remove these inquiries. I will attach a picture of the letter they sent. 

Here are the unauthorized inquiries : 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 2021-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Upgrade, Inc. (IN)

Payment of {$380.00} is due 9th of every month. My account was current, never been past due. Submitted payment IAO {$400.00} on XXXX to satisfy XXXX payment. I then made the following payments ; XXXX - {$100.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$100.00}, XXXX {$77.00}. Total payments submitted was {$390.00} which would satisfy XXXX payment. In each instance I did NOT select the option to apply funds as an additional payment. Now my account is 14 days Past Due IAO {$96.00}. I called the company on XX/XX/XXXX questioning why why account was past due when I paid more than the MPA. Agent said they would submit request to have issue resolved. I checked my account on XX/XX/XXXX, still showed as past due. Called the company again on XX/XX/XXXX, agent stated I needed to allow more time for payment to be reapplied. Checked my account again on XX/XX/XXXX, still showed as past due. Sent an email requesting a status update of my request and an explanation of why my payments werent applied as requested. As of today, I still havent received an email response or call. Called the company on XX/XX/XXXX to get a status update, there was none. Asked the agent to explain why my account is past due. He stated any payment made prior to the due date will be applied towards that months payment regardless of what option is selected online. This information is not listed on the website or the borrower agreement. The borrower agreement does not include language of how payments are applied in relation to due dates. The document states funds are applied to fees, interest, then prin. Prepayments/additional payments are allowed but will not change monthly billing amount. I did not select the prepayment/additional payment option. I was forced into that without my knowledge. The company refuses to explain why they give the option to select how a payment is applied but not honor it. I also asked for details of how my payments are applied, they havent provided that information either.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (FL)

I have registered with XXXX  and Experian. XXXX  will not display my information on their website so that I can make a dispute. It took forever to find a customer service number but when I did either no one answers or there isn't an option to speak to someone. With Experian they have information on my student loan incorrect. When I call the number listed under the one that is reporting negatively each agent has told me that they do not have my loan. I finally hunted down who does has my loan and was told they are not reporting anything negative since my loans are in deferment. The Credit repair company has taken money from me for 3 months and they keep repeating the same thing thats on my credit report. I am frustrated and dom't know where e ; se to turn to get help.