davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This Complaint is in tended as follow up to FTC Request Number XXXX, submitted on XX/XX/XXXX, wherein I have requested that my XXXX and TransUnion credit files be permanently expunged. Both XXXX and TransUnion have elected to become complicit in mail fraud and mail tampering in the furtherance of mail fraud by steadfastly persisting for two and-a-half years now in listing a fraudulent debt reported by the collection agency in question, XXXX XXXX XXXX, which has violated Florida State law in its handling of the debt upon being assigned to it by XXXX XXXX XXXX on XX/XX/XXXX ( XXXX Account # XXXX ) and then proceeded to deliberately violate Federal Law by engaging in both systematic mail fraud and mail tampering to cover it up. Despite notifying me about the debt on XX/XX/XXXX via XXXX XXXX U.S. Mail at the new address I had moved to in XXXX, Georgia on XX/XX/XXXX, when I disputed the debt via email on XX/XX/XXXX, the creditor responded on XX/XX/XXXX -- more than two full months after initiating collection activity against me without the 30 days prior notice to my last known address via Certified Mail of its intention to impose a claim on my deposit required by Florida Statute 83.49 ( 3 ) ( a ), which further specifies that the creditor must refund my deposit before initiating any collection activity against me in such a circumstance ( XXXX ) -- by generating a fake Certified Mail notification to my previous address in XXXX, Florida ( XXXX XXXX # : XXXX ). The creditor then further exacerbated its willful perpetration of mail fraud by intercepting the Certified Mail notice with the help of the Postal Carrier for the route on XX/XX/XXXX in an effort to prevent me from finding out about it, since my mail ( including all Certified Mail ) was set up with the XXXX. Postal Service to be forwarded on a permanent basis to my new residence in XXXX, Georgia, as of XX/XX/XXXX. Despite the endless obfuscations of the creditor and collection agency in question regarding this fraudulent debt, it should be palpably clear that they deliberately violated Federal Law by  engaging in willful mail fraud and mail tampering in their handling of the debt, which can only have been instigated to cover up their failure to comply with Florida Statutes in the handling of it.
Consumer complaint received 2018-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TN)

On XX/XX/2018, i responded to Citibank 's {$400.00} checking account package promotion ( promotion code XXXX ) and opened the account package ( both checking and savings ) online. Per the promotion term, deposit $ XXXX and maintain for 60days, and the {$400.00} bonus will be deposited WITHIN 90days. I satisfied the requirements on XX/XX/18 but as of today i still have not received the bonus. In the last 3 months i have contacted citi multiple times and each time i was assured that i had met the requirements and would receive the bonus in the following month, but it just never did. Two and half weeks ago when i called their 1-800 number and this time the rep gave me a concrete date. He said i should see the bonus by XX/XX/2018. XX/XX/XXXX passed and yet again no bonus. So i chatted online with Citi again last week asking them to investigate but she refused. She said they won't do anything unless i contact them after XX/XX/18! I can't believe more than 5 months now and they are still giving me the run around!
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (MS)

I have a lot of unauthorized inquiries on my credit report and I disputed them to all 3 credit bureaus and they havent done one thing but took XXXX points off my credit scores XXXX they need to be handled for this and didnt enclosed why my scores were dropped thanks XXXX XXXX XXXX I am trying to buy a home and theyre te check my credit scores before I sign the loan and my credit scores need to be fixed back before this transaction happens again please help me before this transaction go back through
Consumer complaint received 2018-03-06
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: Larry H. Miller Group of Companies (CO)

Larry Miller XXXX, XXXX, accessed my credit report, while i was not even in the loan process. Neither I was present at the dealership while my report was pulled. When I brought it to their attention, they did not disclose the whole truth, and told me they never got my credit score. However it is showing in my credit report that a hard inquiry was made by XXXX XXXX on my credit. They told me they were trying to pull credit score for another individual, which name does not even remotely match with me. ( We have the same address, but i dont think that should matter. ) They told me that person 's social security number is similar, thats how they got my credit report by mistake. After verifying with the person whose credit they were supposed to access, his social security number is not even close to mine. I asked them how did they got my credit report, they told me its a system error and they " apologize ''.
Consumer complaint received 2021-01-24
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. (MD)

I have tried to get unauthorized inquiries off my credit report file with TransUnion. I don't know how they allow 3rd party companies to add inquiries to my credit file that I have not authorized or approved. TransUnion sent me a message that was attached to their paid subscription that stated that my Social Security # and my personal information had been compromised. I'm asking for the removal of any and all inquiries that were not authorized by me. In addition, to an investigation leading to the prosecution and arrest of the person ( s ) using my social security and personal information. Please DELETE/REMOVE any and all unauthorized inquires from my credit. My credit file has a note on it that asked that the company in which an inquiry is made contact the consumer FIRST before moving forward with the application process. That was not done and TransUnion allowed these inquiries to be placed on my credit file with my knowledge or authorization.
Consumer complaint received 2018-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our  reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name XXXX XXXX XXXX  Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
Consumer complaint received 2018-10-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have 2 accounts with Bank of America. One of the account use to be a saving account. After being charge the fee because they changed the policy and said you need to have XXXX or more on your account to not have fee charged to take money out I was told to switch it to a checking account and I wish I didnt do that. On the first account it has been open for 10 or more years the second maybe a year. I have been charged fee on fee things going into my account that I called and said was not authorized and it wasnt me. I was charge to pay my rent. I also have looked in my account and seen that the bigger amount are saved and the smaller amounts that have already been taken out have fees charged to it. I had a credit card with Bank of America and was charged for something they decided to refund back to my account. Something needs to be done because I am tired of it
Consumer complaint received 2023-04-06
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. (NC)

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$530.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2022-01-19
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. (AL)

I have written Experian, XXXX, and XXXX several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.
Consumer complaint received 2022-01-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have written XXXX, XXXX, and TransUnion several times with proof showing that the inaccuracies they are reporting on my credit files are inaccurate. They will not investigate and they will not delete them.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC (IN)

My Mortagage was transferred to Gregory Funding from XXXX XXXX. I paid the XXXX payment to XXXX on XX/XX/2021. On XXXX the mortgage along with my payment was sent to Gregory Funding XXXX I gave them the XXXX statement stating I was on time with my XXXX Mortagage payment. I also gave Gregory Funding my bank statement. Gregory stated after I file the first complaint in XXXX that they would resolve this issue. As of XX/XX/2021 this matter is not resolved and now Gregory finding states that Inwas already late with payments when the loan was transferred to them. This is not true and has been proven otherwise. XXXX XXXX has contacted Gregory to resolve this but they have been unresponsive. Meanwhile, Gregory has charged me {$600.00} i late fees and now states that my loan is 2 months behind. I dont know how To solve this. According to Gregory I am XXXX months behind. This is matter than should probably be resolved by the Federal court system since Gregory is still charging me 7 % interest and I cant refinance with FHA since they are reporting my loan late. I have proven my case and my previous Mortagage company is in agreement with me. Please help me this company refuses to help me after promising me and your agency that they would
Consumer complaint received 2018-10-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (NY)

On XX/XX/2018 I paid a collection to XXXX XXXX for {$590.00} as they instructed me over the phone.

They said the collection was now settled and that they will send me proof as well as withdraw the lawsuit.

As of today they are still claiming I owe them {$92.00} and they never sent any written verification.
Consumer complaint received 2021-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

XXXX : XXXX IS A SCAM I received a very good scam letter in the mail proclaiming that i owe XXXX from a paypal debt issued but when i call XXXX they inform me that this is in fact a Scam I was able to dig up some info regarding this scam and I stumbled into something i want to pass along The link above TRICKED ME into giving my last 4 of SSN. 

my reference ID the scammers assigned me is XXXX to a XXXX XXXX account # XXXX that they want me to pay The address on my Fake debt Letter is AMERICAN CORADIUS INTERNATIONAL LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX phone number on my fake debt letter to contact is XXXX This is where they want me to send the money I dont owe The rabbit hole goes deeper. 

The return address on the fake debt is XXXX XXXX XXXX XXXX Tx XXXX which belongs to a home owner fronting it as a commecial printing company called XXXX XXXX I managed to find phone number connected to this scammers home address XXXX And XXXX they print professional documents from home which explains how they were able to send out this believable fake scam letter that looks like a blank check. I dont know if the CEO of XXXX XXXX who is based out of New york is a part of this but here is his email ( XXXX XXXX ) XXXX Perhaps he can be helped to discover that if its not him doing this then its one of his 29 employees using his commercial printing business to also create fake debts and send them out to people under a company that is actually legit but has nothing to do with this. 

I am Training to become a XXXX  XXXX. Imagine the information I could retrieve and continue to dig and discover. I mainly just want this operation to Cease trying to scam myself and others.
Consumer complaint received 2021-06-24
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)

I disputed a bankruptcy that was being reported on transunion that is not mine, I have already had XXXX  remove this from their bureau. They have said that XXXX  XXXX  verified it the first time, and the courthouse verified it the second time. As you can see in the pictures I am including the courts do not report bankruptcies. XXXX XXXX froze my account then over the phone and by mail reported that I do not even have anything on file with them. They refused to send me anything in writing stating that XXXX XXXX or the courts verified this, and it is because neither is true.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (MD)

In XX/XX/XXXX, I was notified by Midland Credit Management of a debt with XXXX  XXXX. Someone has stolen my identify, opened an account, and made purchases of {$460.00}. They indicated that the account was opened on XX/XX/XXXX and they made purchases in XX/XX/XXXX. This is not my account. I have no idea who would have stolen my identity and I didn't recognize the address on the statements they provided me.
Consumer complaint received 2021-06-25
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. (MA)

HI CRA 's and CFPB, XXXX XXXX, XXXX, and XXXX XXXX. 

Listen, there are about 3 items listed on my credit report that i been deliberately working with both the original creditors and credit reporting agencies to validate. I've called and mailed out several verification and validation letters to them and i only get a simple pre-printed template response that it's being verified as accurate. Well, I can honestly tell you that it's not in compliance with the FCRA consumer laws because there are so many and multiple inaccuracies, inconsistent reporting, incomplete and misleading information. I even called each credit bureaus as well. This is a violation of my consumer rights and it's not in compliance and it's causing these accounts as shown in the attachment to illegally re-aged. remove them all effective today.
Consumer complaint received 2021-06-24
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

In XX/XX/2021 I made an agreement to pay {$100.00} per month for my account. Since that time I have been paying {$100.00} biweekly, which is more than I agreed. This company is reporting that the account is behind which is causing derogative marks on my credit. I have not missed a payment arrangement and I have been making more than requested.
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 — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY (MA)

Hi AMEX and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I ordered a new vehicle from XXXX XXXX, XXXX, CT. I was contacted on XX/XX/XXXX that my vehicle was delivered. I was sent the website link for XXXX XXXX XXXX to apply for a loan to take delivery. I filled out the online application on XX/XX/XXXX at XXXX XXXX XXXX. The website specifically explains my information will not be shared. On XX/XX/XXXX at XXXX XXXX  my application was printed and the information provided to XXXX XXXX XXXX without my approval or notification. On XX/XX/XXXX XXXX XXXX provided me information for my insurance binder. It was at that time I was told I was financed with XXXX XXXX XXXX. I inquired why my credit was ran and shopped to other institutions. I was told that I authorized this with the consumer release I signed at the dealer when I ordered my truck. Since the dealership was closed due to covid I knew this was a lie. I did not sign any release. I decided to go forward with the purchase since I was without a car at that point since my car was sold to the dealer the week prior. On XX/XX/XXXX at delivery I was given the credit application to sign authorizing my credit to be ran. Obviously this was a moot point since my credit was already ran. I specifically did not want my credit ran multiple times and didn't care to get the " best available rate '' since my intent was to pay off the loan after purchase. I only took the loan for east of transaction. The loan was paid off the day after delivery. The second reason I do not allow my loan to be shopped it I own a small business. I do not allow my information to be shared as it could cross the desk of a local regional bank and be seen by a customer. Both XXXX XXXX and XXXX XXXX XXXX  ran my credit and shared my personal information without approval. I have worked on getting the additional inquiries off of my report for 6 weeks. The bank has not been supportive in getting the inquiry removed.