davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
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. (NY)

( XXXX  XXXX ) I have sent a dispute to all 3 credit bureaus to delete this account due to it being in violation of metro 2 due to the account number containing a letter..this is a clear violation and they have yet to delete this account in fact i never even received a response to the dispute. i am attaching a copy for your review. 

There are several violations ... this account is closed and all 3 bureaus are reporting terms they are all reporting diffrent days of last payment they are all reporting different dates of last acive 2 are reporting paid and one is reporting closed
Consumer complaint received 2022-04-06
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. (TX)

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 has violated my rights .

15 USC 1681 Section 602 A States that I have the right of privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without MY written instructions.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (MD)

XXXX XXXX, XXXX has sent out several confusing letters attempting to collect a dent for American Express in the amount of {$9600.00} but I never gave written consent or authorization to this company to have my personal and private information. XXXX XXXX XXXX XXXX is a debt collector but American express is still actively contacting me regarding the same debt. Due to this situation my credit reputation has been damaged and I have been denied a new home and business funding which takes away my ability to pay my bills, run my business, feed and cloth my family. This situation is causing stress to myself and my family. My federally protected rights as a consumer have been violated by both companies. I did not sign any contract with XXXX XXXX XXXX XXXX and give them permission to have my information.
Consumer complaint received 2020-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing in regards to a late payment on my credit report from for XX/XX/XXXX on my Bank of America account # XXXX, credit limit {$33000.00}, that occurred due to my email being hacked. ( See Attached proof ). 

In XXXX, XXXX my XXXX email ( XXXX ) where I get my statements from Bank of America was hacked. Due to this, Bank of America did not get to me at the time and I was not even aware my account was carrying a balance and had a payment due. 

Months later after dealing with XXXX, when I was able to access my email, I found that there were emails from Bank of America and I was late on the mentioned account. I immediately made the payment on but by that time I was already marked late. 

Again, this was a situation that I could not control. Anyone can be a victim of identity theft. I had over {$45000.00} in the bank, which was more than enough to make the payment. This was not a money issue or even worse, because I did not want to pay. Now I have a perfect record of on-time payments. 

As a courtesy, I am requesting that Bank of America make a goodwill adjustment and remove the late payment from my record. This account was closed, but I have been with you since XXXX ( with another account ). You have been my bank for a long time. 

See attached : - Proof of email hacked - FTC Report - XXXX Bank statement showing funds Thank you for your consideration. 

XXXX XXXX XXXX
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2024-02-24
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. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$170.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX Owed : {$180.00} XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$990.00}
Consumer complaint received 2020-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

AFTER CAREFULLY REVIEWING MY CREDIT REPORT I FOUND ACCOUNTS THAT DOES NOT BELONG. THIS IS MY 3RD TIME WRITING AND DISPUTING THESE INACCURATE ACCOUNTS THAT IS HINDERING ME FROM DOING BETTER IN LIFE ... DATES ARE XX/XX/20 XX/XX/20 XX/XX/20
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was looking through my credit report yesterday XX/XX/20 because I will be applying to rent an apartment next month but I saw some accounts on there that I never opened. I'm not sure why these accounts are on my credit report since I have never allowed anyone to open any account or loan in my name. The accounts are from these places. XXXX XXXX, XXXX  XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX None of those accounts are mine nor am I affiliated to any of those companies in any way ; I do not have any written or verbal contract with any of those companies. I did not benefit anything as a result of these accounts being open in my name without my permission ( money, services, goods ). I have already filed a police report regarding these suspicious accounts.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

In XX/XX/XXXX fraudulent charges were posted to my account and I notified Citi Bank and they credited about half of the charges and the remaining {$180.00} remained as a balance. The following month 's statement indicated late charged and interest were charged. In XXXX I wrote the company explaining that the balance plus interest and late fees need to be credited. I also contacted the company numerous times the staff either didn't understand the issue or chose not to resolve the issue. I filed a dispute with XXXX and XXXX and the {$180.00} was credited on the XX/XX/XXXX statement but there are {$160.00} late fees and {$78.00} in interest that has not been credited. 

CitiBank filed a 30 day late on this account and as a result all my credit lines were reduced. In essence, Citibank decimated my credit. All my bills have been paid on time if one would look at my report.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (AL)

On the day of XXXX XXXX I sent my daughter a amount for {$200.00} and she didnt know how to accept the money and I have been asking for my money back and they are saying that I cant get my money back and now I want to sue them for my money
Consumer complaint received 2023-01-30
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. (NC)

I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX North Carolina XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world
Consumer complaint received 2022-04-06
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. (AL)

In accordance with the Fair Credit Reporting act the following item ( XXXX ) has violated my rights : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

My cousin passed and I became the Successor In Interest on the mortgage. The house was deeded over to me about XX/XX/XXXX, or one year ago. 

Since XX/XX/XXXX, about three weeks ago, I and my title company have been trying to get Rushmore Loan Management Services LLC to send a Mortgage Payoff Estimate. Rushmore has lied and dragged their feet about creating this loan payoff estimate. Most other mortgage servicers accept a borrowers telephone request for the Mortgage Payoff. The other mortgage services do not require anything in writing to get the Payoff Estimate. It is time critical that Rushmore respond immediately with the Loan Payoff, good to XX/XX/XXXX. This must occur today and with no more delays!
Consumer complaint received 2022-04-05
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: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit reporting act the following accounts have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish account without my written instructions.
Consumer complaint received 2019-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NJ)

XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX These charges were never authorized by me and I never received any money. I contacted XXXX XXXX but they have no phone system and attempted to message them with their in app support system. It usually takes many days for a response. I never heard back from XXXX XXXX so I called USAA and started a dispute. It was very easy and got temporary credits in my account. I believe I had the credits around XX/XX/XXXX. 

Then on XX/XX/2019 USAA sent me 2 plain emails with pdf attachments. It does not say in the email that any information is required or my immediate response is requested. But hidden away in the pdf files is a request for more information. Because I don't check every email I receive from USAA because usually they are junk mail, I never opened the pdf, and then USAA DENIED my dispute. They never called me or sent another email. They never sent me a letter or anything they just denied it and took my money. 

After a few phone calls speaking to a supervisor I was able to resubmit the information. On XX/XX/2019 my one dispute is finally reopened XX/XX/2019 Charge for {$110.00} XXXX XXXX - USAA - CASE XXXX. 

XX/XX/2019 Charge for {$250.00} XXXX XXXX - USAA - CASE XXXX DISPUTE # 2 for {$250.00} has not been reopened since I uploaded information about the case.
Consumer complaint received 2019-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE (NY)

I'm not sure who you sold my account to, but they keep calling my mother, knowing it's my mother, and leaving voicemails trying to collect debt. They haven't properly identified themselves and just say they're with barclays and speaking in a foreign accent. Let 's get one thing straight, they are violating the FDCPA by calling my mother and leaving voicemails about debt collection. Because they haven't identified themselves to me, they're operating as you, so I need you to make this stop and forward this complaint to whoever you sold this to. They are NOT to contact ANYONE, including ME now. If they do, they will be in violating of the FDCPA and I will chase them for the fine. Because they're operating as you and not identifying themselves and leaving harassing messages, it reflects poorly on you.
Consumer complaint received 2021-09-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: U.S. Auto Credit Corporation (NC)

I have reached out and disputed with this company for the past 7 years explaining that I believe this account was taken out fraudulent only thing I was told was it was done with a company called XXXX XXXX XXXX but that company is out of business also I asked that they provide the original contract showing any information that would help me figure out how this transaction transpired but they have failed to send me that they are on my credit as charged off and they still report late payments
Consumer complaint received 2020-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

EXPERIAN XXXX Their website will not allow you to update incorrect information on my personal credit report. 
The fraud alert placed in 2019 shows an old, outdated cell phone number. 
When current creditors access my credit report, they call the old phone number. Then when there is no way to reach me, they call me at my cell number on file with my account with them - asking me to either updated my cell on the alert or have it removed. 
I literally have called in ONE day, 7 times and been on hold for over an hour trying to speak with someone in the Fraud Dispute department. 
I am either transferred to a non-working voicemail or left on hold for over 40 minutes, then disconnected. 
Their website does not grant you access to do the update/dispute yourself. 
Experian will not allow you to speak with a supervisor to get assistance.
Consumer complaint received 2019-11-05
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CREDIT ACCEPTANCE CORPORATION (WI)

In XXXX, we filed chapter XXXX bankruptcy in the Federal Courts of XXXX Indiana. After the case was filed, Credit Acceptance pationed the court to have the vehicle returned to them. The vehicle was in the state of California, they were told where the vehicle would be and to pick it up. A week went by and the bank did not pick up the car. The apartment complex where the vehicle was, had the vehicle towed. The company that towed the vehicle tried for many months to contact the bank to let them know he had the vehicle. The person that towed it put a mechanic 's lien against the car for towing and storage fees. After the required time the person that towed the vehicle had the state of California crush the car. Credit Acceptance never made an attempt to secure their interest after pationing the federal court. Now in XXXX, Credit Acceptance brings a debt garnishment suit to the state of Wisconsin and is given said garnishment for a debt that was suppose to be settled in federal court. They are garnishing my check for the balance owed, even though they never secured there interest in the pation that was given in federal court. Our bankruptcy case was dismissed in XXXX.
Consumer complaint received 2020-07-09
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. (GA)

I have XXXX on my Credit report as if they were still relevant but they were included in my bankruptcy And had the chance to dispute the bankruptcy back in 2015 but did not, I have disputed this creditor a good bit of times, I have sent letters to XXXX and XXXX with proof but nothing has changed.y bankruptcy lawyer admin XXXX XXXX at XXXX XXXX XXXX bankruptcy lawyers also tried to get it done for me with the paperwork they have. I have researched XXXX in their claims with other Consumers and this is an ongoing thing with them. This account I had with them should not be showing collections under XXXX, it should be showing closed and paid or paid through bankruptcy. This is a huge problem and I dont believe that experian is ignoring everything I am sending them regarding this. This needs to be investigated, me thing o try to do is keep my Credit clear especially right now since o am trying to buy a house. With my own responsibilities and just trying to make it, I shouldnt have to deal with this so much. But I wont stop here until XXXX corrects their injustice actions and not only To me but others. Thank you
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP (TX)

Phone call to wife 's phone number asking to speak to me regarding a debt. They would not tell her when she asked but needed to speak to me about a personal matter. I took the phone and the caller asked for my birthdate, which I should have not given over the phone, but I was told it was about a debt that was incurred. I could not recall any debt and I lost my temper because the individual said that they would like to call me back in a few days which I told them in a not so nice manner that they could not call me back in a few days and I continued to tell them that I would contest the debt with the agency named Security Finance. The individual also kept asking for my address but I refused to give it to them. I still do not remember having a debt with them since it has been a few years back.
Consumer complaint received 2020-07-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

In XX/XX/XXXX, AmeriSave promised us that we could safely pay {$470.00} for their required appraisal while we still shopped for better rates with other lenders, because they ( AmeriSave ) would beat anyone 's offer by {$500.00}. 

They then failed to follow through, costing us not only an additional {$520.00} for a second appraisal needed to close the loan with another lender, but also cost us our planned vacation, by dragging the loan on for five months into the COVID-19 restrictions on travel. 

When I presented AmeriSave with that better offer by XXXX XXXX in XX/XX/XXXX they said they could not match or beat it, while not allowing us to use our AmeriSave 's appraisal elsewhere. 

We would not have authorized that first appraisal for AmeriSave if they had not promised that we could still shop for better rates and that they would beat any offer by {$500.00}. XXXX XXXX then closed the loan for us is XX/XX/XXXX, after we had to pay for a second appraisal and with it now being too late to have the travel vacation we had planned for This was a bait and switch, for which I have every email communication with AmeriSave to prove my claims. 

Then I saw AmeriSave 's class action lawsuit from XXXX, saying the same scam cost them {$19.00} XXXX in XXXX. Can you please help us and others who have been burned this way with another class action lawsuit against AmeriSave? 

In XX/XX/XXXX, we asked AmeriSave to reimburse us for the {$470.00} wasted on their appraisal, and they have not responded - even after several emails and calls to the agent and their customer service department, vowing to report them to the XXXX  and XXXX reviews. 

Now, we feel we are also entitled to punitive damages as well, for the loss of our vacation due to AmeriSave 's dragging the loan into the COVID-19 travel restrictions. 

Thank you. 

XXXX XXXX XXXX
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (DE)

This issue has been going on for months stating that my account is open whi8was included in a bankruptcy not a chargoff account. They said that it was correct my attorney has pr6proof to them and was told that they would fix the issue and they have not. I asked them to remove it and they declined.