davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-02
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. (NY)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-10
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 — Investigation took more than 30 days
Company: SMITH, ROUCHON & ASSOCIATES, INC. (MS)

I filled a dispute in regards to the incorrect items on my credit report and it has been well over thirty days and I have not received any investigation results.
Consumer complaint received 2021-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings (CO)

A loan of {$630.00} was sent to collections as unpaid from speedycash.com. When I contacted the collection agency AD Astra Recovery Services they advised it was sent to an attorney XXXX XXXX XXXX. I contacted their office and paid the entire debt in full with my credit card on XX/XX/XXXX. XXXX weeks later I received an update on my credit report showing that the balance was now back with Ad Astra and I owed the full balance. I contacted their office in which they confirmed XXXX along with providing them with a receipt showing I paid in full ) they received the payment from the law office on XX/XX/XXXX but proceeded to update my credit report on XX/XX/XXXX showing the balance was still owed??? I asked that it be removed because they did in fact have the full balance however, I was advised that because they received the payment on XX/XX/XXXX it can take their office weeks to update their system XXXX even though they acknowledge their system is currently showing as paid ) and in turn my credit report, which made no sense as they updated the report as owed on XX/XX/XXXX. In essence, even though I have paid in full, and their office has acknowledged they show my account was paid to their office in full on XX/XX/XXXX, they will continue to report my balance as owed IF they ever get around to wanting to fix the fraudulent update to my credit report. As a consumer, I am at a loss and very frustrated that between this many entities I can not get any assistance and their offices continue to tell consumers that even if paid, they have no obligation to accurately report any information. At this point I dont know what consumers could do, other than contacting an attorney and being forced to spend funds there to get recourse. This payday loan was a nightmare and now almost 2 years later I am still dealing with this issue as are XXXX others.
Consumer complaint received 2017-12-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (SC)

I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.
Consumer complaint received 2022-04-02
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

Issue took place on XXXX last month when the credit score update came out, I realized my credit scored dropped almost XXXX points! As I'm writing this complaint I'm finalizing my loan modification because I was on forbearance program for 1 year starting XX/XX/XXXX until XX/XX/XXXX with the amount to be deferred and pushed to the end of the 30 years loan plan. At that time my lender was " XXXX  ''. Now my loan got transferred over to my current lender " shell point '' who are taking care of the loan modification phase. so I called the mortgage company to make sure they don't report any late payments on my behalf especially that I pay promptly and on a regular basis but they told me that I was being reported to have 7 late payments disregarding the loan modification process.They set up a notary appointment and sent someone out to me on XX/XX/XXXX, the notary did not get the documents signed right and the paper work was not approved, during that down time my credit score dropped XXXX points although I am paying on time for current monthly payments and the delay in paper work was a mistake on their end. We had another notary appointment today XX/XX/XXXX and I would appreciate this to be investigated through.
Consumer complaint received 2021-07-10
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. (SC)

Per tracking, tts been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC Accounts receivable reporting higher balance than the credit limit shown. Also, how are they going to report a medical account, they have no medical release to collect on this account and needs removed upon receipt.
Consumer complaint received 2020-09-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a auto lease debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately. Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
Consumer complaint received 2017-12-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

On XXXX XXXX, XXXX I opened a regular savings account with Bank of America. I asked what the minimum dollar amount was to avoid any fees. I was told it was {$300.00}. So I opened the account for {$300.00}. On XXXX/XXXX/XXXX, I received a statement with fees of {$5.00} each for XXXX, XXXX, XXXX, totaling {$15.00}. When I went to the bank on XXXX, I was told the reason I was charged fees was because the minimum for savings accounts increased from {$300.00} to {$500.00}. I never received a letter or email stating this. I closed my account and took the amount XXXX {$280.00} XXXX left after fees.
Consumer complaint received 2022-04-02
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: Experian Information Solutions Inc. (MA)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2020-11-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (NY)

A company I have not done business with entered 3 derogatory entries on my XXXX. 2 non payments, 1 XXXX and 1 XXXX. 1 Charge off alert. 
As previously stated to you and them, my account is in good standing with XXXX XXXX. Trans World has sent me an invoice with an address error and an insurance error. 
I immediately responded with the correct information regarding my address, insurance information and left a voicemail for their designated representative XXXX XXXX. 

Multiple instances of negative credit reporting are uncalled for in any condition. For one instance of Vendor XXXX error Trans World Systems submitted 3 reports indicating that I am not paying a medical provider for an invoice that I wasn't aware of.
Consumer complaint received 2022-04-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On Tuesday, XX/XX/2022 i tried logging into my bank of america account and it wouldnt allow me. Its just said account locked. I called in and they just told me that my account was being closed for whatever reason. They never told me when or how i would be getting the balance i had in my account. Please help.
Consumer complaint received 2022-04-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (VA)

Paypal juat ruined my account for no reason, they said I cant use paypal anymore even I didnt do any illegal activities. It happened to my account last XX/XX/2022. I hope they will restore it today instead for 180 days. I really need the money for XXXX XXXX. Thank you so much
Consumer complaint received 2019-08-11
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. (VA)

Over the last year, I have since XXXX and Experian multiple letters and documentation asking their companies to provide the documents that was used to verify the accounts I disputed. The last letter I sent was 30 days ago and they still can not verify these accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete a information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible
Consumer complaint received 2019-08-11
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: ID Analytics, Inc. (CO)

ForseveralyearsnowIhavebeentryingtogetXXXXXXXXXXXXXXXXandXXXXXXXXXXXXtoremovetheFRAUDaccountsthatwereopenedbyXXXXXXXX.IhavesuppliedtheCreditReportingAgencieswiththepolicereportandFTCfraudaffidavitandsaidtheyhadtoremovetheblockthisisnotrighttheyfailtoshowmewhereiopenedeitheroneoftheaccountandatthetimewasworkingoverseasfortheXXXX.SoiamrequestingthatthefraudaccountsbeblockedandremovedperstatueFRCA605BUSC15.Itsliketheycanshowastatementandtheyhaveenoughevidencenotheneedtoproveitorremoveit.


XXXXXXXXXXXX
Consumer complaint received 2019-08-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION (MD)

It is with great reluctance that I am even filing this claim. However, I am not able to reach a person that is willing to assist within my banking institution. I am currently and have been in a XXXX XXXX XXXX XXXX facility that does not afford me the hours needed to be on hold to wait and speak with someone. On or about XXXX XX/XX/2019, I made a call to the claims department at BB & T. I advised the representative that there were two charges that were not authorized on my account. I explained that someone from BB & T called me making me aware of the charge in the first place and that card was replaced. I am not sure how or why the merchant came forward with yet another charge without having anything to show me doing business with them. I do not and have not had contact with the merchant ( s ) only to try and figured things out. Since I was not successful I then asked the bank to step in for them to send me a letter stating that there was no error on the account when that was not what was alleged. What happened was two merchants took money from my account without my permission or authorization. I have proof of my whereabouts and I have not signed anything so that alone warrants and investigation to be done properly and my funds to be taken back from those who were not at liberty to receive them. XXXX and XXXX XXXX XXXX were not justified in receiving money from my account.
Consumer complaint received 2017-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I had 2 cash deposits of {$100.00} into my account on the same day, at 2 different banks and during different times. On XX/XX/XXXX I recieved a letter stating the monies was put in twice by error, which was not the cause. So they took the {$100.00} out of my account which overdrew my account. I tried for the entire month of XX/XX/XXXX & half of XX/XX/XXXX trying to get reimbursed my {$100.00}. As of this day XX/XX/XXXX I only received the 2 overdraft fees of {$35.00} & the maintenance fee of {$8.00}. They refuse to reimburse my {$100.00} that is owed to me. I offered to text a copy of the deposit receipt to them, but they declined the offer.
Consumer complaint received 2020-09-22
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO. (CA)

FORD MOTOR CREDIT XXXX The information on this account is reporting inaccurate. This account is reporting as a " Charge Off ''. This is wrong! This account is paid and closed. The payments on my lease were paid on time. I even transitioned to a new lease with Ford Motor Credit. Correct this error or delete this account or furnish documents that you have tried to communicate with me regards to this matter. I have yet to hear a response from Ford.
Consumer complaint received 2021-02-01
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: Experian Information Solutions Inc. (MI)

On XX/XX/2020 I sent Experian, XXXX, and XXXX  dispute letters certified mail, they received the letters on XX/XX/2020. I have not received any response or no form of communication with any of the bureaus at all. I have not had the disputes resolved and I was told that the bureaus never received the letters until a manager told me they received them on XX/XX/2020 which I have receipt when the bureaus received the disputes letters. I would like my account updated and the disputed accounts removed.
Consumer complaint received 2019-08-11
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. (CO)

For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


XXXX XXXX XXXX
Consumer complaint received 2019-08-11
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. (CO)

For several years now I have been trying to get XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to remove the FRAUD accounts that were opened by XXXX XXXX. I have supplied the Credit Reporting Agencies with the police report and FTC fraud affidavit and said they had to remove the block this is not right they fail to show me where i opened either one of the account and at the time was working overseas for the XXXX. So i am requesting that the fraud accounts be blocked and removed per statue FRCA 605B USC 15. Its like they can show a statement and they have enough evidence no the need to prove it or remove it. 


XXXX XXXX XXXX
Consumer complaint received 2020-09-22
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. (TX)

I purchased a Tv from XXXX and agreed to pay it off in 3 years making regular monthly payments of XXXX a month. I made multiple payments a month and laud my tv off in a year and XXXX reported i missed 9 months of payments and was delinquent. So instead of my credit score getting better for making multiple payments a month and laying it off early my credit was ruined. They finally corrected it after me reporting them to multiple credit reporting agencies on XX/XX/XXXX and then on XX/XX/XXXX a full months after I paid off the tv in full they reported my account delinquent of 120 days again and my credit score once again took a hit. They are negligent with there credit reporting and could careless that they are hurting customers credit. I have never missed any payment but now because of there bad reporting I am having issues getting a approved for a home loan, if this isnt resolved I will seeking legal actions for damage this company has done to my credit score and for the mental pain and suffering Ive had to endure because of there negligence.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (RI)

This all started with XXXX when I received a bill earlier this year for medical expenses of {$140.00} from services received on XX/XX/XXXX for my daughter that was already paid by my Health Savings Account ( HSA ) Bank   automatically on my behalf on XX/XX/XXXX. ( I have automatic claim forwarding where a check or ACH payment is made automatically for what I owe from my HSA from my HSA bank  ( XXXX XXXX  ) ). I submitted a copy of my HSA statement to prove that the debt was paid. I continued to get calls about the debt and told XXXX that I sent a copy of my statement to prove that the debt was paid. The last associate I spoke to, on a recorded line, stated that she found my payment but that it was coded incorrectly and would need to be sent back to administration to be fixed. I was assured that a cancelled check to further prove payment was not needed and that the account would not go to collections. A month later, I received a validation of debt letter from IC Systems claiming that I owed XXXX {$140.00} that was not paid. This is the same debt that I spoke to XXXX about previously and submitted my bank statement to prove payment. I then disputed the debt and sent a copy of the statement proving payment to XXXX to IC Systems. I received yesterday, XX/XX/XXXX, a letter from IC Systems that the debt was valid and that I owed {$140.00}. I am furious and am going on vacation with my family. I now have to take time away from my family to call my HSA bank to request a copy of a cancelled check, from ten months ago, to further prove that I do not owe {$140.00}, the debt was paid, the check was cashed by XXXX and was not correctly posted to my account. It saddens me that I have to go through such great lengths to prove that a debt for a medical expense from last year was paid ten months ago. I am also concerned that this may be on my credit report as a debt and would be inaccurate as the debt was paid. I am attaching a copy of my bank statement which clearly shows that a {$140.00} check was cashed from my account that was sent to XXXX for a claim on XX/XX/XXXX on page 2.
Consumer complaint received 2019-08-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Dynamic Recovery Solutions, LLC (NY)

I am in receipt of a notice dated XX/XX/2019 from Dynamic Recovery Solutions on behalf of XXXX XXXX XXXX , XXXX to collect a debt of an outstanding balance is {$580.00}. 

Dynamic Recovery Solutions has stated I can settle for {$140.00} or for {$170.00} in 3 payments of {$58.00}. They have also suggested if I do not pay this debt ; it will be reported to the credit reporting agencies. 

As I have stated in previous complaints with CFPB ; I do not recall having medical services to which I owe this debt. I dispute the validity of this entire debt.
Consumer complaint received 2020-12-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERFIRST MORTGAGE COMPANY (FL)

Interfirst mortgage pulled my credit initially for a refinance on my home loan. This fine and expected. I gave permission for this. 

The issue is that many months later after the initial credit report expired they pulled my credit again without any permission or notification. I was notified via an unrelated credit monitoring service. 
When confronting them about this they made no effort to rectify the situation except for a promise to notify a manager. I was also condescendingly told this was not a big deal, as if there was no regulation against this behavior.

I would not have given permission for this, even if it meant not continuing with the refinance. Now I have two additional hard credit pulls with a company that still hasnt managed to close the loan.