davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I submitted method of verification letters dated XX/XX/2020 to each credit reporting agency ( XXXX, XXXX, and TransUnion ) regarding XXXX/XXXX  after they stated it was verified/accurate, but I never got a response from any of the CRAs. I have disputed this inaccurately reported item several times and I dont think they are investigating this issue at all. They are only sending an auto response just to satisfy an investigation.
Consumer complaint received 2021-05-28
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Summary- Loan Officer appears trying to pocket {$1700.00} now unresponsive when asked to justify extra charges. On XX/XX/2021 I initiated a loan approval process through Citizens Bank, specifically XXXX XXXX, Loan Officer|NMLS # XXXX. He eventually transferred my case to XXXX XXXX Loan Officer| XXXX # XXXX who initiated my loan process. 

XXXX XXXX XXXX XXXX XXXX XXXX Citizens XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Office ( XXXX ) XXXX I spoke with XXXX regarding XXXX timing and he ensured me no rush was needed to process and cost would be under {$750.00} since they were working under a new system to get them done efficiently. On XX/XX/XXXX, XXXX confirmed the appraisal was ordered after taking my credit card information to pay for it that day. On XX/XX/XXXX, our Loan Estimate listed an appraisal fee of {$540.00}. On XX/XX/XXXX, the the appraisal was paid for at {$540.00} as posted to my credit card. On XX/XX/XXXX our Closing Documents correctly listed the Appraisal as prepaid and {$540.00} for a scheduled closing on XX/XX/XXXX. There was an unrelated delay in closing that required the closing paperwork redone. On XX/XX/XXXX I received the new Closing Documents from the lender who listed an additional charge for the appraisal of {$1700.00}. This would make the total appraisal cost {$2200.00} since the appraisal was already charged to my card previously. When I contacted XXXX XXXX to justify this change I was told he " did not need to justify anything to me ''. I asked him to send me the appraisal fee documentation and again said he did not need to do anything at this point. On the contrary, he proceeded to tell me that because he found me " difficult and unprofessional '' early on, that " he does not forget and can make people 's process difficult ''. He told me they would credit it and then recanted that statement as well later. He told me he didn't need me as a client and that I could take it or leave it at this point and it would be my loss. He " has other clients and doesn't matter to him if I close the loan through him or not ''. He went as far as to state that my closing costs turned out less than my cash back at closing so he " could make me lose these funds either way, so why does that matter ''. He claimed to be " acting in my interest to balance things out on the Closing Document so we could proceed with closing ''. XXXX was on speaker phone and the full exchange was witnessed by my wife. It is very evident to me what the lender is trying to do here and consider it fraudulent. He reiterated at the end that " he doesn't care if I close at this point and can take it or leave it ''. I have notified the closing attorney, realtor and other parties involved of this. We were scheduled to close XX/XX/XXXX and need assistance getting this resolved. Lender Loan Officer got caught in their activity, is using pressure to force closing and is not responsive at this time
Consumer complaint received 2023-03-31
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. (SC)

On XX/XX/2023 I disputed the account number XXXXXXXX XXXX XXXX XXXX. This account is reporting inaccurate information and it has had a negative impact on my credit. I have not received any validation of this debt whatsoever. All other bureaus have deleted the inaccurate information and updated my report. However TransUnion has not.
Consumer complaint received 2020-10-28
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. (TX)

XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$910.00} written off. 
Account Type Unsecured Balance {$910.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Account charged off. {$14000.00} written off. 
Account Type Auto Loan Balance {$3400.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$450.00} past due as of XX/XX/XXXX. 
Account Type Debt Buyer Balance {$450.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$800.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$800.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX  XXXX XXXX XXXX XXXX XXXX - Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses Select as many as apply XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc. (CA)

Adler Wallach Associates Inc. ( AWA Collections ) is operating illegally and in bad faith in attempting to collect a debt that : a. ) they have not proven in writing is mine b. ) exceeds California 's statute of limitations on this type of debt ( breach of contract ). 

Specifically, I contacted AWA Collections today, XX/XX/XXXX, regarding a derogatory item with their information showing up on my credit report. I was told by an AWA collection agent that AWA was collecting debt in the amount of approximately {$2400.00}, including interest, from an XXXX XXXX XXXX that I allegedly cosigned in XXXX. I advised the agent that I have no recollection of cosigning such a document and/or any other document that would obligate me to pay anything. I asked the agent to provide me with a verification of the debt, required by FDCPA sec 809, and she refused to do so.

Furthermore, I advised the AWA agent that, even if I were to have unwittingly cosigned a contract/application/bail bond with XXXX XXXX XXXX in XXXX, over six ( 6 ) years ago, the debt is not enforceable, as it exceeds California 's statute of limitations of four ( 4 ) years to collect such debt, under section 337 of the Californa Code of Civil Procedure regarding written contracts. The AWA agent told me that this is not the case and that they can and will continue collection efforts on the debt. I advised the agent that to continue to do so is illegal. 

Therefore, I informed the agent that I am denying that I owe any amounts because AWA can not prove that I owe anything and, even if they were able to do so, the debt is unenforceable under California law.
Consumer complaint received 2021-12-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

XXXX. ) Experian, XXXX and XXXX refuse to remove fraudulent accounts from my credit profile in which is a result of identity theft. 

XXXX. ) Their claims are without facts and they make statements such as the creditor certified the information. 

XXXX. ) Upon my request to to review the certification documents that the creditor certified all credit reporting agencies denied my access to review the file. 

XXXX. ) a creditor must not certify its claims ; it must verify its claims and alleged debts in which XXXX has not verified its alleged debt, there is no original contract between I and XXXX and I have never lived at XXXX XXXX XXXX XXXX XXXX ; XXXX Florida XXXX. 

XXXX. ) therefore no debt can be verified and must be removed and I am no longer to be harassed by XXXX over debt that is the result of identity theft.
Consumer complaint received 2021-07-18
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. (MO)

I am who I say I am. I am XXXX XXXX and this is not a third party. I have notice some incorrect and fraudulent information on my credit report public information. I have noticed Chapter XXXX bankruptcy reference # XXXX reporting. I have never filed bankruptcy and do not recognize this public record. I have sent off a letter to the bankruptcy court around XX/XX/2021. I received a response back from the court stating that they were not able to locate a file that belongs to me. The letter also stated that the bankruptcy court does not report to the credit bureaus. 

I believe my consumer rights to privacy have been violated by reporting this public record I also believe another FCRA violation has occurred.

15 us code 1681b ( 2 ) this information was fished out and I did not give permission for this information to be furnish.

and last 15 US code 1681i Procedure in case of disputed accuracy
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC (SC)

I the natural person XXXX XXXX received a letter from Credit Control that I owed a debt of {$16000.00}. I have never done any business with Credit Control and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.
Consumer complaint received 2022-10-12
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. (GA)

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX  acct no. XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions. 

Accordance with the Fair Credit Reporting Act XXXX acct no. XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 SECTION 602 h. It states I have a right to privacy. 15 U.S.C 1681 604 a section 2 states a consumer agency can not furnish an account without mt written instructions.
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: World Acceptance Corporation (AZ)

XXXX XXXX has submitted the incorrect information to the credit bureau 's. They claim and are reporting an amount that I believe is incorrect, and completely false. I have written a letter to them requesting that this information be verified as I dispute this information ; however they did not mark the account disputed on my credit file within the 30 time frame required by law, nor have they responded to my previous efforts to communicate with them in writing.
Consumer complaint received 2021-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (IL)

Reopon Complaint XXXX US Bank was notified within 60 days via XXXX in several exchanges : XXXX XXXX. 
U.S. Bank Email Operations Department [ THREAD XXXX ]
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

So I have a account with bank of america. I noticed I had a bunch of charges that I never heard of an small to large amounts. An it would be like 6 big amount charges in 1 day. Then a few little charges. Then on another date a cluster of big charges. All from XXXX an something called afterpay. These are NOT my charges. It's fraud. Its obvious it's fraud. After researching online. This is a common scam. My bank knows this is fraud. But yet. They denied my claim
Consumer complaint received 2021-05-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (IL)

In late XXXX I received an automated e-mail from Home Depot asking if I recently made a large purchase using my Home Depot credit card, I replied no and called the next day to say it was not me. They told me not to worry about those charges and sent me a new card which was also hacked, I received a statement for XXXX XXXX. Since none of these purchases was made by me I called their fraud department and explained the situation. Their response was that my drivers license was used when these purchases were made which is impossible since it never left my possession. They requested a copy of my License which I sent them. On XX/XX/XXXX I received a letter informing me that I was responsible for these charges. on XX/XX/XXXX I received a statement for over XXXX XXXX. I did not pay even the minimum because these charges are not my responsibility and now my credit is getting hurt for no payment including late fees. I have had zero luck trying to dispute this with Citibank ( they run Home Depots credit cards ).
Consumer complaint received 2021-07-18
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: EQUIFAX, INC. (MN)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had XXXX $ of fraud charged on my bank card. Over like 2 months. It's obvious fraud. It's very common scam. I reported it. Opened a case. MY BANK KNOWS ITS FRAUD. ITS OBVIOUS. I DIDN'T MAKE THEM CHARGES.
Consumer complaint received 2021-10-21
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I have sent dispute letters on 3 separate occasions to EXPERIAN concerning ALL of these issues : XXXX XXXX  account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error. 
XXXX XXXX account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error. 
XXXX/XXXX  account XXXX XXXX is listed on my report TWICE ( same account number as well ), but they sold the account to XXXX XXXX XXXX which I have paid. XXXX was deleted from my credit report after paying, yet XXXX/XXXX  account XXXX XXXX is still reporting even though they sold this account. They should not be on my report at all due to selling, and i paid. They also reported " charge-off '' TWICE. I requested deletion. 
XXXX XXXX  account # XXXX is reporting " charge-off+ every month and this falsely manipulates the statute of limitations. I have notified Experian of this error, they stated they investigated, but the error has not been corrected. I requested a deletion due to the error.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

In accordance with the Fair Credit Reporting act 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  account has all violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (NC)

I purchased an XXXX XXXX at a private XXXX store in XXXX, Illinois in 2021, I do not remember the month. When I got home with the XXXX XXXX I realized that someone else XXXXXXXX XXXX was logged in the phone. I returned back to the same store before leaving XXXX and the store ensure me to problem was fixed. I got back home in XXXX North Carolina and went to two different stores trying to get the problem fixed and I was told because I purchased the watch from a private location it was nothing that could be done. At this point I was stuck with an XXXX XXXX that was sold to me with someone else XXXX XXXX and I would never be able to use the watch. XXXX still kept charging me for the watch even though in the system they could clearly see that I had never used the watch. It was a waste of my money and time, and I would never use XXXX XXXX again because no store could help me fix this problem even though it was a mistake on their part. This is really bad customer service. I also feel that I should be reimbursed for all the times I was charged for this watch because I was never able to use it because again, the store sold it to me with someone XXXX XXXX already logged into the watch and this was my first time ever using XXXX, so I was not aware of the mistake I had made when I purchased to watch. If you have any other questions are concerns, please feel free to reach me at XXXX. Thanks XXXX XXXX
Consumer complaint received 2020-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVE THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon reviewing my three credit reports recently, I observed that TransUnion and XXXX are still indicating a collection account that I have no recollection of applying for. Fortunately, XXXX has addressed this issue and removed the collection from my credit report. After contacting TransUnion and XXXX I was met with push-back even though I expressed the collection in question did not belong to me.
Consumer complaint received 2023-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Firstsource Business Process Services, LLC (TN)

On XXXX XXXX after reviewing my credit reports, I discovered a collection account with Firstsource Advantage LLC.I wrote a letter to the company requesting verification and validation of the debt. I further requested proof of their contract to substantiate the claim which entities them to enforce it. I further requested a certified copy of an original contract with my wet signature. 
I also noted that I could not locate an documentation of any contractual relationship between FirstSource and XXXX XXXX  which would entitle them to enforce a commercial claim, On XX/XX/2023 I received a debt collection letter and several collection calls, but no proof of contract that gives them the authorization to pursue this debt, not a contract from me.
Consumer complaint received 2017-12-20
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. (GA)

Reference Complaint # XXXX. 

XXXX has admitted their error. Why do they need an additional 60 days to correct my credit report when they have admitted their error, and after admitting the error, reported me late to the credit bureaus. 

XXXX is refusing to comply with the Fair Credit Reporting Act. They do not need 60 days to contact the 3 credit reporting agencies. A fax or an email takes 2 minutes. They are stalling, have poor business practices, and are refusing to comply with the Fair Credit Reporting Act. 

What are you going to do about this company?