davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-19
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. (MI)

I am a victim of identity theft. I submitted a copy of my police report to TransUnion and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of XXXX processing my fraud investigation, they disputed the fraudulent items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.
Consumer complaint received 2019-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (GA)

I received a check from my insurance company to repair the storm damage from hurricane Michael. I received the check in XXXX I had already started the repairs and cleanup. I have paid out of my pocket knowing the check was coming. After sending the check to the loss department 3 times for various reasons to get it endorsed. They send me a list of paperwork that I had to get all contractors to fill out including XXXX who was one of my contractors to replace the roof. The contractors thought I was nuts said they had never had to do any of this and would have to run it thru their legal department. Well all this time it just keeps adding hardship to me. Now all the repairs except the roof have been completed the roof within the next week or two. I sent contracts for the repairs such as the roof I have called various people in the " loss '' department trying to explain the situation which they do not care they will not release any of the funds. I have talked to the supervisor with no results. They are costing me money by holding onto my insurance funds. I have created debts that I have to pay interest on for the repairs and contracts for the repairs to my home. The last time I called they said they have decided that they were not going to allow homeowners to do any of the repairs. I do not understand how they have the right to tell me what or how the repairs get done, they are welcome to inspect to see that the repairs are complete. This is just another hardship on my family. I have paid day labor for people to help with the cleanup and debris removal other repairs waiting to be completed can not be completed until they release the money. I have never missed a payment. but with all the money I am having to spend for repairs I may have to.
Consumer complaint received 2022-02-19
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. (TX)

good evening. tonight I decided to submit a complaint on credit reporting agency experian for failing to comply for a deletion regarding a collection agency enhanced recovery. XXXX has not validated the alleged debt they are claiming under my name. I have sent XXXX debt validation letters on 3 different occasions to XXXX  different adresses and I have still not received no proof that I owe them anything. I have attached proof to this complaint showing all the dates, letters, correspondence from experian and 1 letter from XXXX ( they didn't even acknowledge my validation letter that I sent ), all envelopes showing I sent the validation letters certified and even a printed copy from the us postal service website showing they in fact received my 3rd letter and still have not replied let alone provide proof. XXXX received my letter XX/XX/XXXX and it is now XX/XX/XXXX. I know there are laws and rules that protect consumers from debt collectors and there illegal practices under the fdcpa and experian is at main fault because they keep reporting this unvalidated account going against the fcra by reporting this. I have provided all the proof experian needed to delete this account and they still leave it on my report. I am exhausted. I have been dealing with this behavior from experian and XXXX since XX/XX/XXXX and I have had enough. I have no choice but to come to your website to file a complaint. there illegal practices and unproper procedures are causing me so much stress because I can't get approved for any credit lines. XXXX had deleted this account so I dont understand what experian has that XXXX  didn't when only one furnisher reports these items on reports. I have also heard about the new laws that has been taken place XX/XX/XXXX and XXXX is facing serious violations and so is experian.
Consumer complaint received 2016-04-03
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: EQUIFAX, INC. (SC)

I have tried to correct these accounts that show opened at the XXXX, Equifax and XXXX. I have no idea what they are for, only showing that the opening dates are XXXX/XXXX/12 : for {$26.00}, {$10.00} and {$24.00}. The original company submitting these accounts were from the XXXX. I have been unable to obtain any acct. numbers, or contact information for this above agency.
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I contacted XXXX regarding the sudden drop of my credit score. I noticed after being denied for an apartment that there were unauthorized accounts on my report. I asked Equifax to provide the paperwork submitted to them by the reporting companies and their response was they have submitted request to the companies for the documents. This is a violation of Section 609 of the FCRA which states that signed consumer contracts must be submitted and verified before reporting accounts, not afterwards. I am also not giving authorization to Equifax to report the accounts that I listed on the letter and I request their immediate removal.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

For nearly 8 years I've been battling with these two credit reporting companies to remove what is a black mark on my XXXX XXXX in the beginning and not valid. I've written letters five complaints and we are past the {$70.00} XXXX  worth this junk should have been removed from my credit years ago credit reporting agencies have a huge responsibility to stay up to date what negative information reported it should be sanctioned when they drop the ball. Incorrect negative credit affects us all holding our children and families at risk
Consumer complaint received 2015-07-11
Product: Credit card — 
Issue: Credit determination — 
Company: Paypal Holdings, Inc (OH)

On XXXX XXXX I tried to make a onetime payment to a vendor through Pay Pal with my credit card. Pay Pal was the only payment the vendor would accept. Pay Pal took all my credit card information and then pay the vendor through what they said was Pay Pal Credit instead of putting the payment through my credit card. I did not want any credit through Pay Pal. When they emailed me the same day XXXX XXXX, telling me about Pay Pal Credit I emailed them back saying I did not want any credit. I just wanted to make a onetime payment from my credit card. Today XXXX XXXX I received another email saying my payment to Pay Pal Credit is due. I called them and again told them I did n't want any credit through Pay Pal. They said there was nothing they could do because they said I applied for it. I believe this is fraudulent on Pay Pal Credit. I did not want their credit and somehow they stuck me with it and wo n't remove it. What else can I do to have them remove this mistake because they wo n't even after I called and spoke to a supervisor?
Consumer complaint received 2022-02-19
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: Experian Information Solutions Inc. (MI)

I am a victim of identity theft. I submitted a copy of my police report to Experian and requested that the fraudulent items listed in the police report be blocked pursuant to the Fair Credit Reporting Act Section 605B. I included a copy of my drivers license and social security card to confirm my identity. Instead of Experian processing my fraud investigation, they disputed the fraudulents items and sent me correspondence that the item were " verified '' with my name and social security number. As a victim of identity theft my identity has been breached. I have filed a police report to document that the fraud did occur and have requested that the credit bureau block these items pursuant to federal law.
Consumer complaint received 2019-02-28
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. (OH)

I had spoke with them months ago telling them I moved out of that property in XX/XX/XXXX. I do not live there, I am not the owner, I should not be paying anything. I also filed bankruptcy in XX/XX/XXXX and they are included in the bankruptcy. However, this was not my debt from the get-go so they should be trying to collect it from the current renters of the property.
Consumer complaint received 2017-08-23
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

All three of these companies would not remove erroneous items from my account, namely XXXX XXXX not mine ), XXXX ( fraud apartment complex that kept my lease active after I gave them my PCS orders signed by my commander ), and XXXX XXXX not mine ). After a year of writing letters and filing disputes, the completely unhelpful call centers that are on entirely different continents, kept telling me that they are only a reporting agency. I was baffled by this! I 'm here to report that all three of the credit bureaus are ran by child predators! It might not be true, but that 's what I 'm reporting.
Consumer complaint received 2021-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2021 - I have made a {$7000.00} deposit at XXXX XXXX, CA ATM, XXXX x {$100.00} bills and BoA did not credit my account. ATM said it was having difficulties, {$300.00} was credit applied. I opened a claim and Bank of America would not credit my account the {$6700.00} missing. They keep telling me they are escalating the claim, but nothing happens.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BMO Bank, N.A. (WI)

My wife and I are having a lot of problems with BMO/Harris. We 're now seeing the same check going through twice and SOMEHOW the check seems to land in an area where I was short -- SO & lt ; I will be charged XXXX NSF fees for the same CHECK! Now, I got one of them reversed, and YESTERDAY I went there to talk with the bank manager in XXXX, WI and I know that she could see that it was going to be charged another NSF fee and she did n't say anything about it. I ca n't trust them, by the end of this month, I plan on taking all of my monies out and transferring it to another bank.
Consumer complaint received 2022-02-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Disputed 3 collection agencies on my report on XX/XX/2021. XXXX, XXXX XXXX, and XXXX XXXX XXXX. Debt was not verified by XXXX and XXXX and was removed.
Consumer complaint received 2018-03-20
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. (KS)

XXXX XXXX continues to report inaccurate information on my credit report with XXXX, Experian and XXXX without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
Consumer complaint received 2015-05-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CA)

I took an auto loan from Fifth Third Bank in XXXX of 2014 via a Car dealership. I was actually approve dby a different institution but the car dealership suggested I will save more money if I were to go with Fifth Third Bank. My monthly payment is {$440.00}, but I have been paying {$500.00} for the past 7 months, despite this, when I compared my loan info and payments compared to online loan calculators, I learned that I have been paying a lot more in interest charges due to the manner in which Fifth Third Bank is compounding interest, this was never explained to me either by the dealership nor by the Bank. I believe this is very misleading, pernicious and predatory practice. Can the CFPB please investigate this?
Consumer complaint received 2016-09-28
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Todd, Bremer & Lawson, Inc. (WA)

The person on the other end of the line only verified the address of the debt with me on the phone and did not verify that they were speaking to the person that they needed and proceeded to give out personal information-about it being a loan for school.
Consumer complaint received 2023-04-17
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. (CA)

Equifax rightfully deleted only 1 account ( XXXX XXXX ) immediately after being made aware that they are violating the FCRA. Equifax appears to be using some sort of stall tactic and refused to delete the other accounts I requested in a timely manner ( including the blatantly wrong information regarding payment history ). 

As a direct result of this willful noncompliance, I have been unable to get access to an emergency loan or credit after being hit by a car on XX/XX/XXXX. I suffered injuries to my brain and body after a car hit me on XX/XX/XXXX and I have been unable to get any type of credit or loan because of Equifaxs refusal to comply with the FCRA in a timely manner. I can provide my attorneys contact information and medical records as proof. 

Equifax is willfully violating multiple parts of the FCRA, including : 15 USC 1681e ( b ) 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) 15 USC 1681i ( a ) ( 1 ) ( A ) Section 611 I demand that the following accounts be *immediately* deleted from my consumer report : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( all open and closed accounts ) XXXX XXXX XXXX All XXXX XXXX inquiries as I provided an FTC report months ago XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma (CA)

On XX/XX/2022 I reported unauthorized transactions i couldnt dispute all at once through the automated system so I disputed XXXX and contacted customer service no one responded until XX/XX/2022 which is the day I filed my dispute today I got a notification saying there were no errors when I dont even have a point account and thats were mostly The transactions were made in the pdf of denied dispute there is no contact info for appealing the decision
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CT)

I am a full-time student. I asked my mother to help me figure out how to manage my student loans. She helped me file for consolidation and deferment through XXXX. When she called Navient to inquire about how to ensure they had current information and what options I had to get current, after waiting on hold for over XXXX minutes and having to call again, she was told that she had to pay MY back balance by Monday, XXXX XXXX or they were going to default my loan. That was stressed as the only option. When she asked for copies of the promissory notes to be sent by email, she was told that they " had to do that now that she asked for them '' but it had to go through the legal department and would not be in time for the XXXX XXXX deadline that he set. I am not sure that any information they gave me is correct as far as how to manage this debt as a full-time student with obviously limited income.
Consumer complaint received 2023-04-17
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. (CA)

I had made payments on the payment due date, and they still report to credit bearers that the account was 3 months late.. I talked to a XXXX  supervisor and they agreed with me that the fees and late status was wrong...
Consumer complaint received 2023-04-17
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. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-12-04
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Avant Credit Corporation (CA)

Entire Problem : I was pre-approved for a loan with XXXX/Avant credit on XXXX/XXXX/2015. When I was pre-approved I was given a list of reasons why the terms I was given and a credit score disclosure. At the time the date of the credit bureau pull was XX/XX/2015. My credit score was XXXX. The company provided me loan documents and loan disclosures to move forward with the loan. However I wanted to review. I phoned into Avant on several occasions after XXXX and was told that the approval was good for 7 days. I just had to finish the documentation and sign the documents to receive funds. I was traveling and was not able to complete the application instantly. I went to sign on XXXX, and was still able to complete the process but my computer froze. I tried later that day and was then given a denial notice with the same information that I was approved for. The denial notice was the same as the Credit Bureau Disclosure Notice for Terms. I phoned in to the call center at Avant and spoke with a rude representative XXXX. I explained the situation and she was very rude and was not willing to assist in a solution. I asked to speak with her manager several times and she told me her manager would not be able to help and tell me the same thing. I continued to ask to speak with a manager and she denied me several times until I was transferred to XXXX. XXXX was not very pleasant to speak and I ended up having to speak with XXXX the Section Manager. I explained my concerns and he told me he could not assist me that the compliance department would respond and they are only reachable by email. I explained that your company mislead me and that the reasons for denial were false and not accurate. You once approved my loan with the same information you were denying me on.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$5200.00} XXXX -- XXXX RXXXX XXXX XXXX XXXX {$4100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$330.00} XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-02-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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.

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.