davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For several months I have submitted dispute request via certified mail to Transunion along with all requested identification and proof of identity and address. For several months they have not followed the guidelines according to the Fair Credit Reporting Act and Im another complaint to expose yet another violation. XX/XX/2020 I sent a letter requesting verification of how these items are being verified. Section 611 ( c ) of the FCRA provides : " Whenever a statement of dispute is filed,... the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof '' I received no correspondence by mail as outlined In section 611 ( c ) of the FCRA the credit furnisher had 15 days to comply with providing step by step procedural of the name and title is persons verifying this false information to be true. I have grown increasingly tired of the scripted emails and stall tactics from Transunion!! This is in DIRECT violation of the FCRA section 611. They are continually and knowingly reporting inaccurate and misleading credit information further unfairly damaging my credit worthiness.
Consumer complaint received 2020-09-19
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. (NY)

THE DISPUTED ACCOUNTS HAVE BEEN CAUSING TREMENDOUS DAMAGE TO MY CREDIT, I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED FOR THEY HAVE BEEN TARNISHING MY NAME. BECAUSE OF THOSE ACCOUNTS IT HAS PREVENTED ME FROM ACQUIRING NEW CREDIT. THOSE ACCOUNTS ARE NOT LIABLE TO ME AND I WOULD LIKE THOSE TO BE REMOVED IMMEDIATELY OFF MY REPORT.
Consumer complaint received 2020-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX continued to bill us after cancelling their service, multiple contacts made with them to remove the billing we should not have been billed for. They sent us to collection, we settled it to just be done with dealing with them. 

I cancelled XXXX XXXX XX/XX/XXXX of XXXX, we were not on contract. I disconnected all equipment and waited to send it back. 

I called multiple times to remove the billing, they billed me through XXXX of XXXX, two additional months. When talking with them, they acknowledged the billing should not have continued, but nobody was able to stop it and I was forced to pay for services we did not use. 

XXXX can and has verified all of this, they've also verified the equipment was disconnected and sent back. They have been unwilling to remove the inaccurate collection.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

On XX/XX/XXXX I closed the sale on a property I owned which was financed by XXXX XXXX  and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from XXXX. 
In the process of applying for a VA Errol loan refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from XXXX XXXX  to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both XXXX  and Experian and they both reported back in mid XXXX ( XX/XX/XXXX ) that the XXXX XXXX loan was still showing open. 
I again called both Experian and XXXX  and they advised me that the XXXX XXXX  account still showed open based on XXXX latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, XXXX would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days ) to the various bureaus, but one week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the XXXX report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the Experian files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality.

I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my BEACON SCORE ( by 50 points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in one day ; XXXX can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION (NC)

I have attempted on several occasions to close this account and receive money back for the fraudulent charges, ive spent over 3 hours trying to contact them and dispute the charges and close the account to no avail and im not going to keep wasting my time. The fraud was reported to several bank employees as required and nothing has been done.
Consumer complaint received 2017-12-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Again, since XX/XX/XXXX, I have sent numerous certified letters to all three major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XX/XX/XXXX. I even filed a complaint in early XX/XX/XXXX with CFPB. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status regarding TRANSUNION : XXXX XXXX Acct No. XXXX. In XX/XX/XXXX, I contacted XXXX XXXX directly to obtain a clear title of my car which was paid in full in XX/XX/XXXX. At that time, XXXX XXXX XXXX did not make aware of any outstanding debt nor did XXXX XXXX advised of any late payment ( s )! I received the clear title in XX/XX/XXXX. The 60 months term commenced in XX/XX/XXXX and terms ended in XX/XX/XXXX. To date, I still have not heard from TransUnion of my dispute allegedly reported from XXXX XXXX XXXX. 

However the only response from TransUnion via CFPB : We have reviewed your complaint along with the information you previously provided regarding this issue. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX # XXXX was notified of your disputes. In response to the investigations, the disputed information will be verified or updated accordingly and the results will be forwarded to you for review. In order to preserve your rights under the FCRA, we have opened an investigation into the disputed item and contacted the source to advise them of your dispute. They will verify the accuracy of the item and inform TransUnion of their results. When the investigation is complete, we will mail the results of the investigation to the current mailing address we have on file for you. If you have any further questions, please call us at XXXX, Monday-Friday, XXXX XXXX XXXX XXXX ET. Please visit http : //transunion.comXXXX for frequently asked questions about your credit report.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

On XX/XX/XXXX I closed the sale on a property I owned which was financed by XXXX XXXX  and with in a few days ( XX/XX/XXXX ) I received the sale proceeds from XXXX. 
In the process of applying for a VA Errol loan refinance on another property several weeks later in early XXXX I noticed that the outstanding debt on my credit report was still about {$150000.00} higher than it should have been and to my surprise the payoff in early XXXX was still not showing a month later as having been payed. 
Ironically I had used mortgage payoff disbursement proceeds from XXXX XXXX  to pay down {$24000.00} on my XXXX XXXX and it was showing paid off the very next day in early XXXX. 
I filed complaints with both Equifax and XXXX  and they both reported back in mid XXXX ( XX/XX/XXXX ) that the XXXX XXXX  loan was still showing open. 
I again called both XXXX  and Equifax and they advised me that the XXXX XXXX  account still showed open based on XXXX latest report to them. 

There in lies the problem, if my loan had been paid off one week earlier In XXXX, XXXX would have forwarded their monthly report on XX/XX/XXXX ( less than 20 days XXXX to the various bureaus, but XXXX week later they dont report until XX/XX/XXXX. 
So when I called on XX/XX/XXXX the XXXX report of the loan payoff ( XX/XX/XXXX ) had not yet been able to hit the XXXX  files. 
So a full 41 days after my payoff my credit score still showed a full {$130000.00} more outstanding debt than it should. Therefore my full outstanding balances was {$410000.00} or a full 33 % higher than reality. 
I could never know how the credit union scoring system works, but certainly 33 % debt can only improve my BEACON SCORE ( by 50 points ) AND earn a lower interest rate on my VA refinance! 
I dont know what advantage slow reporting of payoffs gives to banks. After all its really just computers programmed to report to other computers. Maybe a bank shows more loan assets for longer. Certainly it cant just be sloth! If XXXX reports in one day, or I can pay a mortgage from my bank to XXXX electronically in one day ; XXXX can report my {$130000.00} payoff to all credit bureaus within the same period. AND NOT ADVERSELY EFFECT CONSUMER CREDIT REPUTATIONS AND SCORES! 
All creditors should be able to report credit status twice monthly! If not daily like XXXX XXXX
Consumer complaint received 2020-09-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC (TN)

On XXXX XXXX I purchase from XXXX XXXX, a 10kt Gold Hollow XXXX XXXX link Chain 20inches 5.5 mm yellow gold. On XXXX XXXX took the chain to a jeweler store to have it appraisal and make sure the 10kt gold chain is real the chain was gold plated. I had the chain finance through Acima Credit it cost me XXXX total cost from Acima Credit was {$1000.00}. I have paid Acima credit a cost of {$280.00}. I have contacted Amica Credit on XX/XX/2020 and requested to return the product the customer service representative stated they will be sending me a return label email as of today XXXX XXXX haven't receive the return label email. Also contact XXXX XXXX concerning the fake gold chain I purchase they didn't applied hang up.
Consumer complaint received 2020-11-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I sold a pair of shoes to an individual. He paid through XXXX XXXX for {$260.00}. This person confirmed received the item and XXXX says that the package was delivered. 

However, this person notified me that they had their XXXX XXXX account hacked. Whomever hacked the account desputed the transaction and the total of the sale was immediately withdrawn from my account. 

Chase ( my bank ) refused to block or refund this transaction. They said they couldn't interfere since the hacker disputed the charge through the bank.
Consumer complaint received 2023-01-31
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. (DE)

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

Account name : # XXXX, XXXX XXXX XXXX Account name : XXXX  XXXX XXXX XXXX XXXXXXXX has 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. 

15 U.S.C. 6803 ( f ) ), and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure. 

Therefore I am opting out and not authorizing it to be used on my report
Consumer complaint received 2023-01-31
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: Experian Information Solutions Inc. (FL)

{$620.00} XX/XX/XXXX expressing fraud and asking for help..No response. I have been disputing for yrs. 
XX/XX/XXXX nothing.. 
XX/XX/XXXX asking to prove the debt..nothing I even did a consumer complaint..this account FRAUD..not me
Consumer complaint received 2023-01-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (CT)

In XXXX I was had a XXXX minutes ride from my house to the hospital. I negotiated with the ambulance company back then on the price, and we agreed to pay one time the full amount after they gave me a discount. I paid and it was closed as account. 6 years later this phoenix finacial service send e this letter telling me that my account was bought by XXXX XXXX XXXX XXXX who never contacted me for anything, and precisely this company has placed the account under collection with phoenix financialservices. 

This is a debt he says, she says. Where were these people 6 years ago? Why I was never contacted by the new company who bought the previous services? 
Please, I need help to stop these greedy thieves.
Consumer complaint received 2020-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TX)

I made the payment for my Chase account on XXXX of the post minimum plus additional monies, for a total of {$150.00}. On XX/XX/XXXX I noticed that the accounted indicated I missed the payment and had been charged a late fee and I then reached out to Chase. I received a response on XX/XX/XXXX that they do see the payment, that the late fee would be reversed, and that the payment will show on the account. 

I checked my Chase account on XXXX and saw that the late fee was removed but now I had a past-due payment. I called on XXXX and was told that the payment was made " too early '' and was posted to the previous billing cycle even though I had a minimum payment amount for the billing cycle in question. I was told there was nothing that could be done and that I was just asking them to " lower my balance ''. I made a payment on XXXX to bring my account current.
Consumer complaint received 2020-07-21
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. (TX)

I. 

This is a complaint pursuant to the terms of the Fair Credit Reporting Act ( FCRA ), Title 15 U.S.C. 1681, et seq., disputing the accuracy of and to have deleted from my consumer file with Experian, XXXX and XXXX   consumer reporting agencies erroneous information that I am indebted to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to the sum of {$200.00} for XXXX XXXX XXXX ( " XXXX '' ) XXXX provided on XX/XX/ 2018, as alleged and reported by XXXX XXXX  XXXX, a third-party debt collector as defined by the FCRA, acting on behalf of XXXX 

II. 

The factual basis for this dispute is that I am not indebted to XXXX to the sum of {$200.00} for XXXX services provided on XX/XX/2018 as alleged by XXXX XXXX  XXXX. Annexed hereto is a billing statement from XXXX for that date. The statement reflects a XXXX  balance. As there is no balance due XXXX there is no debt due XXXX/ III. 

The legal basis for this dispute is that the alleged debt is predicated upon inaccurate information and therefore invalid, unenforceable, and merits removal from my consumer files with Experian, XXXX, and XXXX   consumer reporting agencies as per the terms of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). 

IV. 

The foregoing considered ; I respectfully request : 1.  Reinvestigation to determine the veracity of the information subject to this dispute. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

2. SUSPENSION of collection activities with respect to the alleged debt, pending final disposition upon re-investigation. 15 U.S.C. 1692g ( b ). 

3. Deletion from my consumer files the disputed information of my indebtedness to FDRMC as provided to XXXX, Experian, and XXXX consumer agencies by XXXX XXXX  XXXX. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ).
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-10-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (RI)

I recently noticed that I have wrongly been charged {$65.00} in Late Fees. Through my bank I have set up automatic payments to be made every 4 weeks, thinking that there would not be a problem to pay off our debt a little quicker than obligated. In reviewing the XXXX statement, I noticed I was charged a late fee for a payment received on XX/XX/XXXX ; however, the XXXX statement showed that I had made two payments ( XX/XX/XXXX & XX/XX/XXXX ). So in actuality I had made early payments, not late. Not noticing the late fee charged, I was charged a second late fee for not paying the entirety of my XXXX balance ( because the fee was added to the balance ). 

I have never been behind in my payments, the problem is that TD Bank gives you a smaller window to pay than the billing cycle, so by making more frequent payments, they can charge erroneous fees. This is an unfair practice that should be stopped. 

The attached file shows the days on which I paid, every 28 days, and the days where erroneous late fees were charged.
Consumer complaint received 2020-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: ID Analytics, Inc. (TX)

I was notified that my credit score with SageStream was around 400 which was odd because my credit score with the top 3 is over 800. I submitted an inquiry and credit report request per their website instructions and 3 months later I get a letter stating that my credit score is XXXX  BUT there is no credit report. 

This all seems very suspicious to me so I am reluctant to ask for it again given the information they collect. 

I am not sure how some unknown credit agency has the right to report my score less than half of the big 3!!!! I think it is a scam and it will hurt people if they have to rely on bad information when requesting credit.
Consumer complaint received 2021-12-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX