davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-26
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. (IL)

After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a “Suspicious Request”. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experian’s delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same “canned” response from Experian because they think no one will take legal action...The items in question are as follows:ACCOUNTS	XXXX/XXXX	****XXXX	XXXX	****XXXX	XXXX		****XXXX	XXXX XXXX XXXX XXXX	****XXXX	INQUIRIES	XXXX				XX/XX/XXXX	XXXX XXXX		XX/XX/XXXX	XXXX XXXX	XX/XX/XXXX	PUBLIC FILINGSXXXX XXXX XXXX XXXX XXXX/XXXX	XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXX		XX/XX/XXXX	XXXX XXXX XXXX XXXX XXXX/XXXXXX/XX/XXXX
Consumer complaint received 2022-03-10
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/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
Consumer complaint received 2021-06-30
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)

Trans Union continues to report inaccurate information regarding my credit file. Trans Union is reporting current up to date accounts as potentially negative accounts. 

Trans Union reported a XXXX delinquent account when the accounts are paid and no longer reportable on my credit report. 

Trans Union continues to report accounts that have been charged off, and accounts that are business accounts are being reported on my personal account. 

Trans Union continues to report soft hits as hard hits, and duplicated information causing damages and denial of mortgage approval and other accounts. 

Trans Union continues to report inaccurate information after receiving a 30 day notification to correct any and all inaccuracy within 30 days.
Consumer complaint received 2018-01-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (IL)

We recently sold our home which started out as XXXX XXXX XXXX, now PNC. We received a refund check for pmi insurance for {$560.00}, but could n't cash it because it was in the banks name. Several phone calls they explained that was a bulk check and we were getting {$6.00} back from that. I have the original documents signed when I bought the house, and it shows for PMI insurance my maturity date is XX/XX/2017. That probably was correct except I opted to do the twice a month payment when I got the loan. Because of that I was at 53 % at closing. Well below the 78 %. I know what it shows by what I signed, but the numbers do n't lie. 53 % is 53 %. PNC is standing by what is signed not actual numbers. According to the HOMEOWNERS ACT Any loan modification shall payment schedule should be recalculated.mine obviously was not? I have been in contact with XXXX XXXX XXXX
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

In checking information on Equifax 's " XXXX XXXX XXXX '', I discovered and address, XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I have never lived at.
Consumer complaint received 2022-11-17
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. (GA)

Equifax, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked or deleted. MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS, NOR DID I RECEIVE POSSESSION OF GOODS, SERVICES, OR MONEY. I AM NOT A THIRD PARTY OR CREDIT REPAIR SERVICE. THIS STATEMENT IS COMING DIRECTLY FROM ME THE CONSUMER. The identified transactions are not information related to any transaction by me the consumer. 

DELETE OR BLOCK THE FOLLOWING INQUIRIES : XXXX, XXXX, XXXX XXXX, XXXX XXXX 

Equifax you are required to do what I am requesting and block these transactions from being reported on my consumer report within 4 days from the date of receipt of this notice.
Consumer complaint received 2022-02-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc. (TX)

I reported fraudulent charges made to my account on XX/XX/22 when I received my monthly statement showing charges at a location in Singapore. I immediately called my card holder, Avant and advised the charges were fraudulent. 

I asked that the card be closed and that the charges be removed. Avant advised they would send me a new card and refer my report to their " investigation '' unit. 

A week later I followed up and the charges had not been removed and no statement had been added to my online account that I was disputing the charges and they were fraudulent. 

I then followed up with XXXX separate emails and a written letter to Avant asking that the charges be removed or disputed and advising them of my rights under the Fair Debt Collection Act, Credit Reporting Act and other consumer protection laws to dispute the fraudulent charges and not have to pay them while they were in dispute. 

Avant has refused to place these charges in dispute and has reported my new " balance '' to my credit reporting agency causing my credit score to drop XXXX ' points ( prior to this I had a XXXX balance on the card ). 

I have asked to speak with a supervisor and was told one would call me within 24 hours. That was a week ago and to date no one has called me. 

I believe Avant is intentionally delaying its so called " investigation '' to force me to pay for these fraudulent charges before my payment due date or have a late payment reported to my credit bureau causing my score to drop again.
Consumer complaint received 2024-02-19
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. (CA)

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.
Consumer complaint received 2022-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX, XXXX, XXXX 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.
Consumer complaint received 2022-09-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I received what should be an edd debit card but when I attempt to activate the card I am asked to provide the entire card number even though the paperwork indicated that I would only need my last four of my social security number. 
The card is hijacked every time I get one because of this and I refuse to do it again.
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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a mortgage with XXXX XXXX Bank and was in good standing until I got a forebearance in XX/XX/XXXX after the pandemic began. I was given 18 months of grace. In XXXX of XXXX, I applied for a loan modification as one of my options for how to come out of the forebearance. They said the review process would generate a new loan agreement with a new monthly amount due. 
They started the paperwork and told me I would have a new mortgage payment deal set up in 2-4 weeks. 
In XXXX, when I had not heard back, I called in and was told that they were backed up and that it would take another 2 weeks. 
In XXXX, they told me my loan was still under review and that I would be receiving papers in the mail. 
In XXXX of XXXX, I called again, and again I was told my loan was under review, but this time, I was also directed to the XXXX XXXX XXXX where I could track my case. 
I saw no evidence of this on the site, but their representatives confirmed AGAIN in XXXX that they were reviewing my case. 
XX/XX/XXXX, I asked again for a response and was told that my case was still under review. 
Today ( XX/XX/XXXX ) I learned that I have been reported as being 180 days late on my payments! 
I have screenshots of this exchange. I have asked over and over again if I ought to make any payments and was told that this would complicate the review process. I have constantly asked if this review process was going to negatively affect me and they ALL confirmed that my records clearly show that I am in process for a mortgage adjustment plan. Now, my credit score has dropped XXXX points and I have been marked for delinquent payments!
Consumer complaint received 2022-09-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

To Whom this may concern I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Delinquent account — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

I have been a member to USAA since 2004. 
today I have auto insurance again with USAA. However the problem seems to be with the USAA credit debt collection department. Because, I have entered into a Debt Relief program with the National Debt Relief, a USAA credit debt collection agent called me and stated that as a result of me haven joined a Debt Relief program, the credit card department will be obligated to cancel my auto insurance, if I do n't make payments to my credit card. Today I spoke directly with the USAA auto insurance department, and they said, that no other department from USAA or any credit card, has the right to stop my auto insurance. So my question is, why was the USAA debt collector agent giving me false information about the outcome of me being in a debt relief program? USAA should not have the right to retaliate against my auto insurance policy. I also spoke with the USAA Credit Card department and they forwarded me directly to the MasterCard debt collection company and they as well stated that, no such thing can be done by a credit card company ... that whoever said that, is giving you misleading information. 

I here by call on a complaint against USAA Debt Collection department for giving false information about the life or extend of my auto insurance just for being in a debt relief program. 

As of today, all my auto insurance quotes have been paid. So I have no idea why USAA wants to retaliate against my auto insurance, when that is in good standing. 

thank you.
Consumer complaint received 2018-01-26
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. (IL)

I disputed a Bankruptcy reporting on my credit file back in XXXX 2017. I advised the information being reported was inaccurate and asked for Equifax to remove the BK. While the dispute was in process, I received an updated credit alert from XXXX showing the BK was removed from my credit file. I also called and spoke with a representative and they verified no longer was there a BK reporting. On XX/XX/XXXX, I received a letter from Equifax with confirmation stating a result from there re investigation stating they verified Public Record Information of a BK with a third party vendor by the name of XXXX Consumer Center. I immediately contacted XXXX to verify what is listed on my consumer file with them and the representative advised they DO NOT SHOW any public records at all on any of my consumer files with them and Equifax could not have verified this information with them. 
Equifax continue to make illegal updates on my credit file and they continue to report inaccurate information as if they have verified this information and they do not verify as well, as the inquiries on my credit file that, they fail to assist me with disputing the inaccuracy of things being reported on my credit file.
Consumer complaint received 2018-01-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (CA)

XX/XX/XXXX-XX/XX/XXXX - When trying to downgrade my XXXX package to an internet only package at a price of {$64.00} I was instead signed up to a TV and Internet package at a cost of {$100.00} without my consent or knowledge. 

XX/XX/XXXX - XX/XX/XXXX - Once I realized that the incorrect amounts were being charged I instructed my bank to block all payments to XXXX. 

At the same time I called XXXX and requested a copy of my upgraded contract. The customer service representative told me that they had a new contract but they had not received a signature or endorsement from me so it was invalid. The issue was escalated and I was told that I would receive communication within 4-5 business days. 

I did not receive any further correspondence, instead I noticed on XX/XX/XXXX that the amount of {$300.00} had been placed on my credit report under Diversified Consultants. 

The {$300.00} relates to an amount for TV and Internet Services that I do not owe as the contract was fraudulent. It also included an amount of {$100.00} for early termination of the contract ; again I had not agreed to this fraudulent contract. It also includes and amount for unreturned equipment ; I returned the equipment to my local XXXX store and the employee had noted it on the system. When I called XXXX the customer service representative told me that they had in fact received my returned equipment but had charged me the extra fee anyway. 

It appears that the XXXX employee with whom I spoke to downgrade my contract took it upon themselves to instead upgrade me with an extended 2 year contract. 

It also seems that XXXX 's business model is to charge false fees with the hope that customers pay without checking what the fees relate to. I had no way of accessing statements once my account was closed and the only detail was the total amount due. I have been horrified by XXXX 's fraudulent actions and I want to escalate my concerns so that an investigation can take place. I fear that XXXX have been committing theft/fraud on a grand scale.
Consumer complaint received 2018-01-26
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: V and H Portfolio (TX)

I have sent multiple credit disputes to trans union, XXXX, and XXXX regarding my credit report. I was a victim of identity theft in 2012 when my License and my social was stolen. I have 5 inaccurate debts on my credit that I have never heard of or signed for. XXXX XXXX ( says charged off as bad debt ) XXXX ( has two separate accounts one says closed one says charged off ) XXXX XXXX ( charged off ) budget used car sales ( someone stole the car ) And XXXX XXXX
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XX/XX/2024 Dear Transunion XXXX XXXX, I am writing just to make some corrections to my credit report, specifically addresses and places of employment. Some of the information provided will either relate to XXXX or Transunion, not always both! 
INACCURATE ADDRESSES ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INACCURATE EMPLOYMENT ; XXXX. XXXX XXXX XXXX INACCURATE NAME SPELLING [ S ] XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX, XXXX, XXXX Please delete all the inaccurate information that is listed in my Consumer report that You see listed here above. Thank You!
Consumer complaint received 2022-01-06
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. (NC)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-01-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ditech Financial LLC (GA)

Rec 'd letter from Ditech Financial LLC, Attention : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, dated XX/XX/2018. They are attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX. The Ditech Account Number : XXXX. 

I am not the XXXX XXXX. XXXX they are searching and am irritated by Ditech 's tactic to send this notice to all XXXX XXXX. XXXX in the hopes of finding the right person. I am now having to spend my personal time to confirm to Ditech they have the wrong person due to their tactic and incompetence. 

Therefore, I am requesting Ditech to cease further communication with me, and want Ditech to send me a check for {$54.00} ( my hourly wage ) for my time and effort to respond.
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2018-01-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (SC)

I contacted One Main Financial for an installment loan of {$1500.00}. I was contacted promptly by the store located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. After leaving the store I realized I was also sold various insurances that I did not need for another {$1500.00}. So even though I only needed a {$1500.00} loan I was sold a {$3000.00} loan. I 've ran into some issues paying the debt due to a increase in child support. I contacted One Main Financial and asked that the insurances be canceled and a final balance sent to me for payoff. The company has refused and instead started a constant barrage of phone calls to myself, my employer, family, and parents. They call at least 10 times per day and my employer is getting upset. My parents are also upset as they are over XXXX years old with XXXX XXXX. Yesterday, my parents were waiting on a phone call from the XXXX XXXX. regarding a XXXX XXXX XXXX result. Instead they were met with more calls from One Main Financial.