davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-01
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. (KS)

On XX/XX/XXXX, I sent in a certified dispute letter to TransUnion regarding incorrect information that is reporting on my credit. This certified letter was received on XX/XX/XXXX. I have enclosed a copy of the certified mail receipt as well as proof of TransUnion receiving this letter. I have given TransUnion the allowed amount of time of 30 days plus an extra 30 days to respond. I did not hear from TransUnion, so I then sent them a second certified letter on XX/XX/XXXX giving them more than enough time to respond to my request. This second letter was received on XX/XX/XXXX ; I have also enclosed a copy of the receipt of this letter as well. On XX/XX/XXXX, I finally received a response from TransUnion stating that the information they received allows them to have until XX/XX/XXXX to finish my dispute. Due to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify the information I have requested which they have failed to do so. I have also enclosed a copy of the letter that TransUnion has sent me. At this time, I am demanding that TransUnion remove and delete all accounts that were included in the original letter dated on XX/XX/XXXX because they failed to following the federal law to verify within the allowed time of 30 days.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

An erroneous entry in the name XXXX XXXX XXXX has been placed in my credit report at Experian by XXXX XXXX XXXX. I have tried multiple times by emails, letters, phone calls and no results have been obtained. They continue to show inaccurate names for which i have never been know, never applied for credit under and these inaccuracies are affecting my capability of obtain loans because right know i have no credit score at experian. 

My full name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have sent a copy of my driver license to them to correct my information without results. I need your assistance immediately to resolve this issue. As a small business owner I need an XXXX loan and I am unable to obtain it right know because of this incorrect information on my credit report.
Consumer complaint received 2020-07-17
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 am still in preparations in purchasing a home, I have been monitoring my credit report thru XXXX  and noticed there are still inquires that do not belong to me nor did I give authorization to run my credit. Some have been removed from other bureaus so I am not sure why they are still on here. Please remove these items : XXXXXXXX XXXX  | XX/XX/2019, XXXX | XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX | XX/XX/2019, XXXX XXXX  XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX  | XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XXXX  XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX | XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019. I am doing this on my on behalf to I can continue my home buying process.
Consumer complaint received 2018-06-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (SD)

I applied for a short term loan on XX/XX/XXXX through an online website for Big Picture Loans. I did  not receive any details about the loan but the money was credited for {$1200.00}. I am still not able to view the online loan agreement and have requested but never received any copy. 

I requested that Big Picture Loans revoke my ACH agreement and that my payments of {$980.00} be applied and a balance owing be provided so I may payoff any balance minus that payment. 

The online account screen shows I still owe 4 more payments of {$490.00}. That would make a total repayment {$2900.00}. That is nowhere close to the cap of 36 % I expected.

I can not get them to revoke the ACH or provide me with a payoff except for the full amount. I sent a revoke letter again on XX/XX/XXXX along with a request to payoff and was told I had to pay the full amount to payoff and they were not able to revoke the payments through ACH. When I spoke to customer service they said my payoff, which included the payments I have already made is based on the interest rate of 490 % and they can charge that because they are a tribal lender and not subject to state or federal laws. I do not live on the reservation in Michigan, I am a resident of XX/XX/XXXX I had no idea they would be able to charge almost 500 % interest. Is that legal anywhere? 

Please help me address my concerns about this lender and reach a resolution that is legal and fair.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been receiving excessive mail for two different people at the address I 've lived at for several years now, from Bank of America. I 've sent them back unopened, " Return to Sender and eventually " Cease and Desist '', which temporarily resolved the issue but now I have begun receiving credit card offers for these people again today. I finally opened one of them and spent 21 minutes on the phone today trying to resolve it and eventually hung up. I am beyond frustrated in exhausting my efforts and throwing away mail for them as well. They 've ignored my Cease and Desist requests and are now harassing me again and they make it impossible to reach anyone on the phone. I have no business with them and do not receive offers for myself. XXXX XXXX XXXX nor XXXX XXXX do not live at my address and I want the mail to cease immediately.
Consumer complaint received 2023-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANCO POPULAR DE PUERTO RICO (SC)

After the passing of my XX/XX/XXXX, I contacted XXXX XXXX in XXXX XXXX  to close my father 's account. I was told to me by someone in the estate department of the bank that I needed to submit these documents to define kinship. I submitted these documents at that time. It's XXXX of XXXX, and we are still waiting for a resolution from the bank and No contact from the bank about the status of funds in his closed account. 
They would not permit the local branch to assist with the matter. They required us to fly to XXXX XXXX to close the account when they had a local branch within the local city. It would have caused hardship on our part Popular Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I signed up with Experian Boost on XX/XX/XXXX. It said if I sign up with Experian Boost my credit score would likely increase by 9 points. It said to choose my bank from a list. My bank was not on their list so I could not proceed with the process. Today I got an email from them stating my credit score decreased by 16 points. Nothing on my credit report changed. I did not charge anything, did not have any late payments, no accounts were closed, nothing! They randomly reduced my credit score after NOT using their service. They may say it is because I had a closed account but that was back in XXXX and my credit was already reduced because of that. That is why I was trying to raise it with Experian Boost.  This is beyond frustrating. This is fraud. I have no control over what they do and what they post. I need to apply for a mortgage and now I am out of the range I need to be. I went from a XXXX to a XXXX over the past couple of months because a credit card company cancelled a card for non-use and then Experian dropped me 16 points for not using their service.
Consumer complaint received 2017-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (MD)

I have had Wells Fargo for over several years now. The purpose of my complaint is because I was  XXXX  in the beginning  of 2017 b y the United States  XXXX  to  XXXX . While away my checking account took A large loss of funds by someone making unauthorized transactions in the United States. Upon arriving back t o America I acted acco rdingly and notified the bank immediately after finding out. I was notified by my personal attorney of the The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer  Act ( EFTA ) and did everyt hing correctly. I also notified the bank that I have Military orders that show I was   XXXX   XXXX   XXXX   but withi n two days  after filing a dispute they denied my claim for reasons that show an investigation was not fully done. Wells Fargo stated because there was a transaction that included the entire claim of  over 20 transactio ns and over {$1000.00} of my hard earned money was denied. Yet again after filing a compliant to CF PB, A   XXXX   XXXX   XXXX   XXXX   from  the ATM/Debit C ard Executive Office r eached out to me stating the reasons he believed the fraudulent transactions were authorized due to no incorrect pin attempts. The fraud activity could not have been authorized because I was in the   XXXX   XXXX     XXXX   XXXX   XXXX   and have even went as far as to furnish and provide my  Military orde rs to help with the investigation.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have paid for my credit report expecting to get my credit score because i am trying to buy a Home. please put my credit score up ASAP. this is slowing down my process on getting a home. i have to be out of the place that i am staying in mid next month. i need this ASAP
Consumer complaint received 2020-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding LLC, XXXX XXXX and XXXX XXXX XXXX have been attempting to collect on debts that were settled with original creditors. They have tried to collect on credit card/telecommunications accounts for several years and refuse to remove these settled/paid accounts from my credit report. It is fraudulent to attempt to collect on paid debts.
Consumer complaint received 2018-02-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

Unauthorized credit Inquiries listed on XXXX credit report. 
No one hady permission to pull credit Inquiries. 
Multiple times credit inquires on XXXX Please remove them XXXX refuses to remove them.
Consumer complaint received 2021-03-01
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. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Consumer complaint received 2022-09-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Armstrong and Associates, Inc (LA)

I am a senior citizen and believe Armstrong & Associates is inappropriately attempting to defraud me out of money for a medical bill/debt I do not owe because the medical bill/debt was paid by Medicaid/Medicare. In addition, Armstrong & Associates is inaccurately and illegally reporting a medical bill/debt on my XXXX, XXXX and XXXX credit XXXX. Again, this medical bill/debt was paid by Medicaid/ Medicare . The amount of the medical bill/debt being reported by Armstrong & Associates is in the amount of {$2400.00} in XX/XX/2020 This company Armstrong & Associates is located in XXXX  Alabama and claim this medical bill/debt is for XXXX XXXXXXXX XXXX  Hospital located in XXXX XXXX, Louisiana XXXX 

I have mailed Armstrong & Associates several certified letters seeking legal validation per the Fair Debt Collections Practices Act of this medical debt that their company is reporting on my credit reports and Armstrong & Associates has not provided and/or answered any of my questions regarding this medical debt they continue to inaccurately report on my credit report. Moreover, I contacted XXXX XXXX XXXX Hospital, the hospital where I received medical care and was advised by XXXX XXXX XXXX Hospital billing department that per their records the medical bill was paid by Medicaid/Medicare and I do not owe them ( XXXX XXXX XXXX Hospital ) any money for the aforementioned medical bill/debt. 

In addition, I provided XXXX XXXX XXXX Hospital the account number and date of service and other account information Armstrong & Associates is reporting on my credit reports, XXXX XXXX Hospital stated that no such account exist in their records. Moreover, the date of service and numerous other errors are being reported by Armstrong & Associates on my credit reports. I have no idea of who this company is and the company will not respond to any of my letters/request seeking information and debt validation.
Consumer complaint received 2020-07-17
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)

In the past I was able to freeze and unfreeze my credit using a pin via the Experian website. This was done instantly. On XX/XX/2020, I tried using the Experian site to lift my freeze and was not able to do so. Instead, I was sent a form that contained such fine print that I could not read it without using a magnifying glass. 

I called the Experian 800 number and was told that all future freeze or lifts would have to be submitted by mail with all my personal information filled out on the unreadable fine print form and then mail to Experian alone with a copy of my drivers license and utility bill. The freeze lift or freeze would take 3 days from receipt of the form and copies only if all the information were correct. 

Experian is making it very difficult for people to freeze or unfreeze their credit information with them. Also, be forcing one to mail out all your personal information along with a copy of a driver license place one at risk for identity thief. 
I did finally reach someone at customer service at Experian and was asked to buy a program they had on credit monitoring that would once again allow me to do credit freeze lifts and locks online. Experian is purposely making it difficult for one to use what should be a free service be requiring all your personal information be sent be mail in order to use it.
Consumer complaint received 2021-04-23
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: TD BANK US HOLDING COMPANY (NY)

It has come to our attention that a fraudulent account has been open in our sons name and someone has opened a fraudulent card using our child 's identity. I am asking that you close the account immediately and send us a letter confirming our child is not liable. 

TD BANK USA/TARGET CREDIT Last reported XX/XX/XXXX {$460.00} Reported balance Credit limit {$300.00} You're using 154 % of your account 's limit OVERVIEW Credit limit {$300.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 1 yrs, 0 mos ) PAYMENT HISTORY Last payment XX/XX/XXXX Payment status -- Amount past due {$460.00}
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact these furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt : ACCOUNTS XXXX XXXX XXXX never late Identification already on file. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.
Consumer complaint received 2020-07-01
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: OneMain Finance Corporation (MD)

My XXXX credit report incorrectly listed one of my prior loans ( One Main Financial ) as 30 days past due in XXXX of XXXX, whereas my XXXX  and XXXX credit reports correctly reported that the account was not 30 days past due in that month. In fact, a One Main Financial representative assured me in XXXX that no negative information would be on my credit report because the delay in payment was caused by a technical glitch. I requested in XX/XX/XXXX that One Main Financial correct the information on my XXXX report. Rather than fix the problem, One Main Financial took retributive action against me for disputing the XXXX credit report and changed my XXXX Credit Reportmore than 5 years after the factto incorrectly state that I was late on my payment in XX/XX/XXXX. A consumer should not be penalized for disputing inaccurate information on their credit report, but that is exactly what OneMain Financial has done.
Consumer complaint received 2020-07-17
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. (AR)

I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.