davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX  Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXXate Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-09-22
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. (MA)

Good Morning ; Hi 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 the 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 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-01-30
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. (KY)

I am grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file immediately. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NC)

Enhanced Recovery Company added a debt to my credit report on XXXX XX/XX/2020 after it bought the debt from another company. The debt was previously removed from my credit report because the account could not be verified by the previous collection agency. Not only was it added back to my report without me being notified by the bureaus or this new collector as required under the FCRA but the collection agency has re-aged the account in order to make the account appear that it became delinquent as of XXXX XX/XX/2020. This is an illegal practice which carries a fine. It caused my score to drop. I'm still not understanding how the collections opened date is after the date that it was updated but the dates are completely off by years.
Consumer complaint received 2017-08-08
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. (LA)

The reason for me filing this complaint with your agency is due to XXXX credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with XXXX against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting XXXX credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Consumer complaint received 2021-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc. (TX)

I didnt receive my Avant credit card until the end of XXXX. That is when the card was first activated. On XX/XX/XXXX I logged into my Avant account and there was no balance due, no statement and no pending transactions. The very next day on XX/XX/XXXX I log in my account it shows I am over my limit on my credit card, no pending transactions, and no statement available. I called the customer service line and I was informed my statement would be available in 2-3 business days. To much of my surprise I am trying to get someone to identify how my account was over the limit with no pending transactions showing or transaction history showing for the statement period ending on XX/XX/XXXX. This is the first time my card has reported to the credit bureaus and it dropped my score 20pts with a utilization of 111 % this has adversely affected my credit due to shady reporting tactics of Avant credit card company. I was finally able to identify why my card was pushed over the limit from an Annual fee of {$39.00} that was posted on the same day of the statement ending date. I dont have a problem with the annual fee however, shouldnt a consumer be notified ahead of time like other major credit card companies on this billing cycle we will be adding your annual fee? 

This is not a good experience starting out with Avant I have paid the overlimit fee down. However, I dont like that I couldnt see my transactions to identify all charges for the statement period were correct per the Fair Credit billing act I should have access to these charges at all times. 

I am uploading pictures of my account from XX/XX/XXXX with no transaction history or statement. 

I was told I would have to wait 14 days before I am provided some sort of an update from a resolution team and this is not acceptable
Consumer complaint received 2023-01-30
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. (VA)

Hi CFPB, XXXX bank has reported XXXX missed payments while the account is current, please get them removed as it is causing me low motivation and also my credit score is low due to this I will have trouble will getting another loan. kindly help me in getting the late payments removed. I have attached the screenshot for reference
Consumer complaint received 2021-08-11
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. (NJ)

Ive put I. Multiple disputes with Experian regarding XXXX XXXX personal loan reporting 60 days past due XXXX - XX/XX/XXXX. I submitted documentation provided loan details never late. However its was removed from the Experian profile so how it reporting again as 60 days past due which its hurting my credit score. This negative information is impacting my credit worthiness. I spoke to a supervisor on XX/XX/XXXX her name is XXXX reference # XXXX. She open another dispute with XXXX XXXX. This the 6th dispute within a year.
Consumer complaint received 2021-11-29
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (MA)

Minto Money has aggressively charged interest rates not originally stipulated. It has become increasingly harder to pay off the initial loan amount. Each time I log in, I see new fees substantially added to the principle. As of now, I have paid double the original loan amount in form of interest rates levied on my checking account. My pay checks are garnished, which has led me to the point where I need another entity to intervene. Please I just want to pay my initial loan amount of {$480.00} and walk away, because they want to set a financial trap for me that is seemingly unfair, unreasonable and not equitable. Please assist in helping to mitigate or in finding a middle ground between me and this predatory company. Thank you.
Consumer complaint received 2020-05-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (GA)

XX/XX/2017 I applied for a Navy Federal Credit Card. When applying, they gave me the option next day air the credit card to me for a fee of {$12.00} that would be charged to the credit card account once approved. The account was NEVER approved. The {$12.00} was reported as delinquent/late pay. I even paid them the {$12.00} expecting them to remove this negative & false information from my credit profile because I never had an OPEN credit card account with them. It is still present on my credit report.
Consumer complaint received 2021-08-11
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC (AZ)

This company Sequium Asset Solutions has taken excessive extreme actions to put major derogatory actions on my XXXX  credit report for at least a year now. This has happened at least every week to every 2 weeks that they put the major derogatory actions on my report. This has caused major damage to my XXXX  credit score. Someone has to put a cease and desist order to this company immediately to stop them. I have XXXX  this company and this seems to be a thing that this company does on a regular basis to so many people. Its crushing my credit. Please stop this please! Enough is enough.
Consumer complaint received 2017-08-08
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. (LA)

The reason for me filing this complaint with your agency is due to Experian credit reporting agency refusing to conduct a fair investigation into several accounts Running of Reporting Period of XX/XX/XXXX, re-aged. When I initially filed my dispute with Experian against XXXX XXXX XXXX and XXXX XXXX companies illegally reporting the wrong first date of delinquency, I provided documentation as proof of my allegations expecting Experian credit reporting agency to include all documents I sent as part of the dispute, they instead refused to include my documentations as part of my dispute, citing a erroneously statement they will not use any of my information provided with my dispute to refute fraudulent information being reported by XXXX XXXX XXXX and XXXX XXXX. My billing statements I provided shows my first date of delinquency occurred XX/XX/XXXX, not XX/XX/XXXX.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA (IL)

I am in complete disbelief to even be filing this complaint I opened up a joint account with Hyundai motor finance and trusted them as a premium lender for financing purposes my car was in a collision and my insurance company completely paid off the car prior to that all payments were successfully made I recently spoke to a manager who informed me that when my XXXX payment was made for {$600.00} Instead of Hyundai motor finance applying the payment to my account they applied a {$570.00} payment of the {$600.00} I sent them for a payment to something other than my account for a outstanding balance in which I have no knowledge of and then posted {$28.00} to my payment for XXXX Im completely lost as to why they would do that if I gave you {$600.00} to post the payment you do not have the legal right to post it elsewhere. As a young college XXXX  I have been negatively affect and impacted by this Hyundai motor finance has brought my credit score down by 50 points. On my XXXX XXXX credit report they are showing a balance of {$15000.00} and a missed payment for XX/XX/2020 On my XXXX   credit report They are showing the balance of {$14000.00} with the payment missed in may This is complete and inaccurate information this is a form of deformation of character and intentional infliction of emotional distress and I am in tears typing this. Hyundai motor finance is in direct opposition of following the fair credit reporting act that states all information provided to the credit bureaus must be 100 % accurate and in this case it is not. Hyundai motor finance Has caused me great emotional and mental harm and I am currently suffering from the psychological defects of the unprofessional negligent Demoralizing behavior in which I have been treated. There are tons of car companies to choose from and I put my trust and support in Hyundai financing hands and this is how they treated me.
Consumer complaint received 2020-09-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I had submitted a dispute with Bank of America back in early XX/XX/2020 for a transaction totaling {$1500.00}. I further had to call in and correct the dispute because Bank of America filed it incorrectly and they said I was not protected under regulation e. So after revising the dispute the agent told me I was protected under reg e and I should recieve a temporary credit in ten day. Fast forward to today. I just called Bank of America because the credit was not issued. After speaking with multiple agents I was told I was not covered u see regualation e because aparantly this merchant does not offer temporary credits but I dont believe that is true because regulation e protects consumers for this exact problem regardless of who the merchant is. I have not been able to come to an agreement with Bofa regarding this matter and I believe they are in direct violation of regulation e and I have evidence and proof to back that up. I do believe they should incur some sort of fine or penalty because they are violating regulation e. And this has caused me to take time away from my business directly causing more financial burden. Let me know if you have any questions. You can reach me at XXXX.
Consumer complaint received 2020-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (HI)

On XX/XX/2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Consumer complaint received 2017-08-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (AR)

In XX/XX/XXXX, I bought a used car through XXXX XXXX that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, XXXX sent me to collections. Central Credit Services LLC sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with Central Credit Services LLC, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today,XX/XX/XXXX check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?
Consumer complaint received 2021-09-15
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. (OH)

XXXX XXXX I realized some unauthorized inquiries on my credit report so I called the creditor contacts listed on my report and they advised me to call the credit bureaus directly which I did. The bureaus advised me to submit and IDENTITYTHEFT.GOV report which I also did and even contacted the police. I submitted all paperwork requested by the bureaus XX/XX/XXXX CERTIFIED mail with return label which included my ID, SSC, and UTILITY BILL proving my address and identity. Until this day unauthorized inquiries are still there and THEY ARE NOT MINE! Please advise them to follow the law and help with removing these UNAUTHORIZED INQUIRIES. Thank you
Consumer complaint received 2020-11-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (FL)

Credence, is reporting a debt that they say is owed to XXXX. I have never purchased XXXX. XXXX XXXX XXXX XXXX was reporting this debt and removed due to the inaccuracies. Credence has not communicated with me! Credence did not give me my 30 day right to dispute prior to adding this collection to my account.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for XXXX  to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX - XX/XX/2023 Last 4 digit SSN : XXXX
Consumer complaint received 2020-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (UT)

Multiple web sites for Equifax do not aid me in trying to manage the freeze status of my account. They do not respond and the company provides no help. When I try to create an account the web site does not respond. I can't use my previous PIN anywhere on the site. I have no idea the status of my credit freeze.
Consumer complaint received 2017-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION (AL)

I have made arragements to pay them but they continue to call XXXX XXXX is handling my creditors an they all have been notified properly/ I am not trying to avoid paying anyone just through this structured payment plan. Regions Bank been the only creditor that have harassed me calling day an night home and cell phone back to back. cell number \ XXXX XXXX have already made a agreement to pay off one bill 3 payments and will be negoiating the next.