davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
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)

THIS IS NOT A DUPLICATE Im resubmitting this complaint against XXXX, XXXX, and Transunion due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
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. (SC)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2020-07-20
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. (IL)

Someone in XXXX  and TransUnion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX, XXXX XXXX XXXX, XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 

My correct address is XXXX XXXX XXXX, XXXX XXXX IL XXXX My name is XXXX XXXX My phone number is XXXX
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: PNC Bank N.A. (KY)

PNC Checking and PNC Core Visa for Overdraft Protection are running online scams. Just recently, the checking account {$400.00} Friday transfer began pushing into Tues or Weds of the next week. This in turn may afford you to think you had more money on the weekend, then an auto Billpay or something comes through causing havoc for a few days until realizing they are holding transfer money for too long and loss of interest income on the transfer for up to 5 days. Given local transfer, it should be there in one day. I have documentation on this.

PNC Core Visa is entirely set up online ( and the application has some hefty deceptions ), including : 1 ) use this card for cash advance, pay it off, but PNC keeps the running Balance Subject to Interest rate after paid off and charges a " Minimum Interest Charge '' 2 ) Use it for Purchases at the same time, then try to Payoff the Purchase Balance, and they make you pay off the 0 % Promotional Balance first. 3 ) Lastly, they do not allow online dispute and do not answer mailed disputes. ( Then you have to pay the higher rate of interest, because maybe you cant pay off both types of balances ... ) This is very deceptive and in the small writing Im sure.

Thank you,
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In XXXX of XXXX, my XXXX XXXXXXXX XXXX FICO link showed that TransUnion shows that my credit score dropped from XXXX XXXX XXXX I have subsequently contacted TransUnion a number of times for an explanation of why the drop ( my credit scores as being reported by the 3 different credit agencies have consistently averaged well over 800 for well over a decade ). Twice I have received TransUnion credit reports since and can find no explanation or reason as to why the score drop, and I am not able to find anyone in TransUnion that can successfully answer the question- and the score continues to remain in the XXXX  range for 5 months. The only thing that has changed in my finance life is the opening of another credit card in the spring of this year. I am not easily able to accept that this simple action on my part has such a dramatic impact on my credit score. I am asking for a full reason/explanation from TransUnion as to why my score dropped and has this remained. Thank you.
Consumer complaint received 2021-03-02
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC (MA)

I attempted to purchase a car through Carvana. I have been working on trying to obtain a car with them since XX/XX/XXXX. Every time I attempt to comply with their policy and procedure to obtain financing for a car, I am told different information each time. The lastest issue came about when I signed a contract to purchase a XXXX XXXX XXXX VIN number : XXXX. For starters, my credit was hard pulled twice within a 5 day time frame without explanation. I was advised that my down payment for the car would be {$400.00}. When it came time for Carvana to delivery the car to me, they rescheduled me twice. Delaying the delivery by one week stating they are waiting on a car title. If they did not have the car title, they should not have sold me the car. I decide after the 3rd delivery reschedule to cancel the order on that car and obtain another. I went back to the same platform to search for the same type of car, found one that I wanted, and started a new order. My credit was hard pulled again. Now making this 3 times within a month. My financing terms have significantly changed. I been advised that my down payment is now {$1800.00}. I have called Carvana for clarity now twice and no one is certain as to why my terms have changed within a 2 week time frame. I need specific answers
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WV)

Hello - I am contacting regarding Dispute XXXX. I sent you an e-mail from the merchant that clearly states that a refund will be offered, that the supplier they were using had issues and that the empty package was their fault and they apologized. I offered them photos at the time, and they said there was no need. You then responded by saying that the case could not be moved forward without more documentation, which makes no sense as I provided ample evidence that I am due a refund. 

I then contacted you on XX/XX/XXXX. I spoke to an agent named XXXX in XXXX. I repeatedly asked for a supervisor when she refused to assist me, and eventually she hung up on me instead of transferring me to a supervisor. 

I am attaching a full recording of the conversation with the first agent that transferred me to XXXX and with XXXX. I am also attaching the e-mails showing I am due a full refund.
Consumer complaint received 2021-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (PA)

We qualified for covid mortgage payment relief and were advised that our credit would not be negatively affected during this period. Checking my recent credit report shows otherwise - during the months of covid relief- Shell Point reported missed payments - causing a drop in my credit score from XXXX to XXXX. 

Called the company directly to address- never heard back. 

LOAN NUMBER : XXXX Account has since been paid in full.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

Ive reached out to this company for the removal of a collection that was never owed. Ive never been under contract with the company and when I called they claimed that they could not even find the account, resulting in the removal of the collection from my credit report. The collection is now back on my credit report after being removed and negatively affecting my score, putting me and my family further behind during a worldwide pandemic.
Consumer complaint received 2020-08-21
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. (TX)

I Have sent out a debt validation letter to lenders on my credit report requesting that they show proof that they have the legal right to be on my credit reports. The dispute was dated, notarized, and sent via certified mail and in accordance with the FCRA Section 616, Section 617, Section 609, and Section 611 which states if the UNVERIFIED items listed below are  not deleted immediately. I Have been ignored with each request by Experian only, XXXX have removed the negative items without prejudice. This company has held me back from moving forward with my life and refuses to offer verification for my detrimental setbacks after they received my dispute they " Verified my account on XX/XX/2020 without proper validation. I do believe this is a prejudiced response.
Consumer complaint received 2018-06-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Maury Cobb, Attorney at Law, LLC (AZ)

I have received numerous calls from a lawyer, Maury Cobb. XXXX. I don't own any funds to anyone and my credit rating is XXXX. Since my phone number is new and have received a re-cycled number, he is probably trying to reach the person who previous had my cell number. I want this guy to cease and desist.
Consumer complaint received 2022-09-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Frost-Arnett Company (GA)

In accordance with the fair credit reporting act Frost - Arnett has violated my rights. 

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 

Also medical accounts are no longer being apart of a credit report. They are to give consumers time to work out the matter with the original creditor and insurance company.
Consumer complaint received 2020-08-21
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: BARCLAYS BANK DELAWARE (TX)

XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX {$2300.00} Have no information as I did not authorize this nor have a received anything from this company.
Consumer complaint received 2015-04-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (VA)

Rushmore Loan Services called me on XXXX/XXXX/XX/XX/XXXX at XXXX XXXX ET to demand my XXXX payment, which I had made the day before -- the due date -- via electronic fund transfer. Just a month ago, Rushmore sent me a letter stating my account was delinquent, and I filed a complaint with this agency. The XXXX time they made a bogus collection call was XXXX XXXX XX/XX/XXXX. I had sent a check one week earlier, and the caller stated I was delinquent. I pointed out to the caller that according to Rushmore 's payment coupon there was a ten ( 10 ) day grace period! When I returned to work, I checked my bank account online and saw that my check had actually cleared MY BANK on XXXX XXXX XX/XX/XXXX! 
Rushmore is abusive and bullying. I recommend that they be severely penalized -- even shut down for this on-going pattern of abuse. How many victims do not know their rights, or have access to prove Rushmore 's abusive behavior?
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (AL)

I am a natural person, I am human being, I have rights under 15 use 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 ; I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  - XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX  XXXX
Consumer complaint received 2020-08-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Service Finance Holdings, LLC (NV)

i lost all XXXX of my jobs and lost XXXX relatives. i am deeply affected by the pandemic and my employer is not allowed to open yet because i work for XXXX  and XXXX XXXX in XXXX XXXX. i was able to sign up for 120days of deferred payment with service finance. but i still cant pay them to this day, i still dont have a job and the governor is still not allowing my employers to open. i called service finance to try to sign up for more time in deferred payments. they said they cant help me. i also asked for a hardship assistance, i asked that maybe they could help me out but they told me that they have absolutely no help to give and there is no hardship assistance they can help me during this covid-19 pandemic. i dont know what to do. they will ruin my credit report and charge me late fees. Service Finance Company LLC have no heart. they expect people be back to be miraculously back to normal after 4months. this covid-19 pandemic took so many people and i lost all XXXX of my jobs. they dont even offer any hardship assistance. they wouldn't care if you'll want you to kill yourself.
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (OH)

This debt of {$100.00} is not my bill. This debt was bought by another debt collector XXXX XXXX XXXX XXXX in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX   when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.
Consumer complaint received 2019-06-03
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. (OR)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (CA)

Trident Asset management is trying to collect on a debt of XXXX not owed. I am asking for contract with Trident. I am requesting for this debt collector never to contact me with harassing calls or letters.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

The accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. I went through a Loan rehabilitation program with the US DEPARTMENT OF EDUCATION and the loan is now in good standings as of XX/XX/2019. This is in violation under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA - you are required to .... promptly DELETE all information which can not be verified or reported inaccurately '' The law is noticeably clear as to the Civil liability and the remedy available to me for me " negligent noncompliance '' ( Section XXXX ) if you fail to comply. I am a litigation Consumer in the matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : Accounts be verified or deleted immediately : DEPT OF EDU/XXXX  # XXXX US DEPARTMENT OF EDU # XXXX US DEPARTMENT OF EDU # XXXX This is my only phone number XXXX Any other numbers are not inaccurate
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I called Experian, I have a user & password, also PIN. I can't login to their site. 
I have called approx. 7 different phone numbers over the past couple of months. 
( I also sent them an email last night, & it was returned! I couldn't read any info, therefore it was disposed of in Spam! ) Cust Serv. # XXXX, XXXX, XXXX, XXXX. 
No one answers any calls! 
I don't want to change PIN, or password. This creates more problems on my computer when doing so!

They have been written down on 2 reports, First 1 I had received is dated XX/XX/XXXX & second is datedXX/XX/XXXX. 
I haven't seen any reports since then! Therefore they didn't fix the problem!
Consumer complaint received 2018-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AFNI INC. (NC)

Several months ago, I disputed the reporting of a old XXXX XXXX XXXX XXXX account to the credit agencies. As of today, this account is still being reported, although it is over ten years old.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: NAVY FEDERAL CREDIT UNION (TX)

On XX/XX/2021 i made a purchase at a online store for XXXX and XXXX was selling items from XXXX, XXXX XXXX and XXXX. They basically said that they were selling unclaimed items and everything looked legitimate. However when I looked at my credit card statement the same day and it said " VIRAL STORE '', I started getting concerned that it might be a scam. I immediately contacted the merchant and stated that they should cancel the transaction because something is not seeming right. They assure me that the item had already been sent and if I don't want it they can work something out or I can return. Another red flag was that when the purchase was made it said that USPS was awaiting to pick up item. So I relaxed a bit. The next day I checked the item was in XXXX XXXX in transit to XXXX. I presented all the emails, company had no phone number, and since the person was in XXXX it would take 2 days to get a respond. 
I filed a claim shortly with my credit card company ( Navy Credit Uninon ). Sent all the proof including emails. I had requested that the merchant sent me the return address to have items sent, they refused. I kept getting " we can give you 10 % of your money back to not return the item '', when I said no pls sent me your information to return item, 2-3 days later I will get " we can give you 15 % of your money back '' etc. I told the merchant no, I needed full return and will return the item to the return address that was on the package. They never responded. Now the credit card company ( Navy Federal Credit Union ) which I have been in contact with decided that they are going to return my money back to the merchant and told me that the merchant sent information that I received the item. Total insanity because this was not the issue. I spoke with a supervisor XXXX who was totally clueless, another supervisor told me that she was going to reopen the case when I sent proof that the item was returned because they can not approve refund if the item was still in my possession. I told them that the merchant refused to send me a return address and that I was going to ship it back to the return address on the envelope. I provided them with the shipping information and Navy Credit Union still doesn't want to return my refund. They have not provided me any written information about ruling in this case and justification on why they are refusing to return my money back. When XXXX was questioned about it she told me " I don't know why that information was not provided ''. They have claims adjusters that customers can not speak with, but they determine claim without providing justification.