davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
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. (FL)

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} XXXX {$210.00} XXXX - {$210.00} XXXX XXXX XXXX XXXX CHARGE OFF XP Late Dates : XXXX, XXXX XXXX XXXX/XXXX  XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$5200.00} REV {$5200.00} - {$5200.00} XXXX XXXX XXXX XXXX CHARGE OFF XXXX/TU/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, FCRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are  responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2017-07-10
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)

Written XXXX Credit several time about a medical bill but it has never but disputer dispute me sending cert. mail and fax letter and phone calls this company refuse to address my concerns. example of last letter sent : Mail XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, GA XXXX Phone XXXX XXXX Dispute XXXX XXXX XXXX This was my State treating doctor for my XXXX  injury, XXXX When I was hurt on the job at XXXX XXXX XXXX XXXX XXXX was my treating doctor. Under State Law a treating injury doctor should bill my job due to the nature of my injury under XXXX XXXX. This is a XXXX bill due to state regulation. Therefore, I am requesting this item to be remove due to the fact XXXX pass my medical bill due to injury by the State of Texas Please attach statement
Consumer complaint received 2017-07-10
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: CORELOGIC INC (OH)

I applied for XXXX loan and have several inquiries where they tried to get others to approve me-with out my knowledge or concent. I 'm having trouble getting them removed. Personal Loans Cos. XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Auto Financing XXXX Inquiry : XX/XX/XXXX + Miscellaneous Reptg. AgencieXXXX XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies Mail Order Firms XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry : XXXX XXXX, XXXX + All Banks XXXX XXXX Inquiry : XXXX XXXX, XXXX + Mail Order Firms XXXX XXXX Inquiry : XXXX XXXX, XXXX + Auto Financing XXXX  Inquiry : XXXX XXXX, XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + All Banks Collections
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Sensible Auto Lending, LLC (AR)

On XX/XX/XXXX, I submitted an online dispute to XXXX via XXXX pertaining to an incorrect balance and payment history being reported by the creditor Sensible Auto, LLC. 
Three days later, I received notice indicating that XXXX had investigated the dispute and verified it as accurate.

On XX/XX/XXXX, I sent a written dispute and demand for verification to XXXX regarding the account in question. In addition, I included a hard-copy receipt to provide evidence of my claim. At that time, I currently owed Sensible Auto, LLC, a balance of {$5.00}, XXXX. This balance was paid on time. 
XXXX records reflect a much higher and incorrect balance of {$7400.00} that was 30 days past due! 
In that letter, I asked that XXXX correct my file. 
On XX/XX/XXXX, I received a letter from XXXX indicating that they once again verified the information as accurate! No other information was provided. XXXX did not provide any details of their investigation or to whom they spoke, or how. 
XXXX is NOT following federal law and investigating legitimate claims against data furnishers. Every time I try to correct a matter on my report, I get a letter that essentially offers no help or provides blatant lies. 
I'm getting tired of trying to amicably work with XXXX and am willing to pay any number of the multitude of attorneys online to sue them.
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/19 I deposited a check in the amount of {$12000.00} into my Bank of America small business checking account and I was notified that there would be a hold on this deposit until XX/XX/19. I called the customer service line and was told that they didn't know why there was a hold. Then I contacted my local branch in XXXX CT and they didn't know why there was a hold and there was nothing they could do about. I never received in writing why this hold took place. 

Since XX/XX/XXXX I have deposited several large amounts and have not had a problem. Then on XX/XX/19 I deposited a check in the amount of {$10000.00} and was told there would be a hold until XX/XX/19 so I went into the local branch in XXXX, CT and the manager told me the reason it has a hold is the check was not made out exactly like the name on the account and there was nothing he could do. This was the 3rd check in a month from the same person and I had no trouble with the other 2 checks.

My problem is that the money cleared the bank where the check was written. So now I don't have the money but Bank of American does and I feel that I am being scammed by Bank of America. Once my hold is over I will be switching banks. I have had this business account with Bank of America for over 30 years. They just don't seem to care about a small business.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

XXXX XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX   XXXX  Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XXXX XXXX, XXXX Removal date : XXXX XXXX, XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX, XXXXTexas Auto Dealer Will Pay More Than {$82000.00} To Settle FTC Charges It Violated Fair Credit Reporting Act Loan-Servicing XXXX XXXX XXXX XXXX Failed to Maintain Policies and Procedures Required by FCRAs Furnisher Rule to Maintain Accuracy, Integrity of Consumer Information
Consumer complaint received 2021-08-13
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: EQUIFAX, INC. (MD)

I am accusing Equifax of fraud. Equifax has deliberately removed three XXXX  student loan accounts that were in good standing and closed in XX/XX/XXXX. These accounts were to be on the credit report until XX/XX/XXXX, thus Equifax violated its own regulations. Also, Equifax fails to give an explanation for the deletion. In addition, Equifax reports payment history information in a misleading manner, such as high balance amount running from year to year or a series of years without change. A credit reporting representative admitted that the early removal of satisfactory accounts negatively impacts a consumer 's credit score. I have been trying to resolve my disputes with the agency since XX/XX/XXXX to no avail.
Consumer complaint received 2021-09-17
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: Navient Solutions, LLC. (AL)

Navient is stating that I co signed with my mother on a student loan that I did not, all of her loans have been discharged or cleared based on her permanent and totally XXXX. Therefore I should not be held responsible for any of her loans, as I've never co signed with her on any of her student loans. I have faxed in documentation as well as sent documentation to Navient by Certified mail which they are stating they never received yet, based on the tracking information the documents were received by mail. Based on status of fax all documents were received. The account XXXX is on a letter I received on yesterday the XXXX with a loan number of XXXX as being confirmed as accurate. They were not able to locate the account number for the above loan number. I spoke with XXXX  on today with Navient and she stated that they are not showing where they received the fax or letter with all of my information DL, SSC, Disability letter for my mother, hand written letter from my mother, and a typed letter from me. Where is my information? Problem 1, my social security card is out there with my DL information they claim they do not have, 2, the is information is incorrect, 3 it needs to be removed from my XXXX credit report it isn't reporting on any of the other reporting agencies.
Consumer complaint received 2024-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I XXXX XXXX did not authorized XXXX to ACH {$5300.00} dollar from my checking account. I reported this to Huntington bank ASAP on the day it was taken out of my account and yet they still have refused to do any fraud report and return my money. 

As of today XX/XX/2024 I have yet to get my money back. 

I reported to Huntington bank on XX/XX/2024 the day it was ACH out of my account and I still have yet to get my money back. 


Huntington bank send me a latter to sign which I have send back and yet still have not heard anything back. 
Please look into this and get me my money. 

Bank Account XXXX
Consumer complaint received 2021-08-13
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. (NY)

To whom it XXXX concern, This is my third time submitting a complaint that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. I did not approve it to reflect on my credit report. I believe I am a victim of identity theft. I have a security lock on my credit report and was not informed or alerted of this unauthorized items for {$870.00} I have reported the theft of my identity theft to Federal Trade Commission 's, please review the enclosed copies of the Federal Trade Commission 's identity theft Affidavit in regard to this incident ( ftc report # ). In addition I have attached pdf document reflecting all items that were found to be unauthorized by any such.
Consumer complaint received 2021-04-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I sent the company a certified letter asking to update my payment history accurately. The company never responded to me nor provided proof as they stated that they responded on XX/XX/21. I included their false response confirming the dates they received and responded also confirming their acknowledgement dates. In addition, they have violated responding to me within 30 days of receiving dispute. They have lied that they did as the address they sent other correspondence to is incorrect as well. You will notice on my certified letter I enclosed my proper address and still failed to respond to me. Also, in their previous response to my complaint, no document was provided for the date they speak off on XX/XX/21.
Consumer complaint received 2017-07-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

These problems with the Credit Reporting companies were previously reported and CFPB reported that the Credit Reporting companies were contacted and offered responses and my Complaint was now CLOSED. The Credit Reporting companies did not corrected or removed the incorrect information ; ( 1 ). Adverse Accounts " XXXX XXXX '' ( 2 ). Satisfactory Accounts " XXXX XXXX / XXXX XXXX '' the account was closed in XX/XX/XXXX however the company did not post it CLOSED untilXX/XX/XXXX the Credit Companies are reporting an ok Rating from XX/XX/XXXXthru XX/XX/XXXX. This account has been requested to be removed many times. I truly would like these issues corrected once and for all I do not appreciate having to continue to file Complaints for issues that CFPB has claimed were addressed and corrected. Even with an attorney I have been unable to get the Credit Reporting companies to properly address and correct the issues. It appear that I may be forced to seek justice in a Federal Court.
Consumer complaint received 2020-11-28
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. (PA)

I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make these charges. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal trade commission and I also have enclosed copies of the Federal Trade Commissions ifentity theft affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-03-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Healthcare Finance Direct LLC. (AR)

On XX/XX/XXXX I ordered a set of aligners from XXXX XXXX XXXX. Once I had received them they did not fit. XXXX XXXX XXXX reached out and sent me a second set. Unfortunately the second set did not fit. After talking to my doctor we agreed to have my teeth XXXX scanned on XX/XX/XXXX. After which I was being sent a third set with my new scans. The third set never arrived due to XXXX XXXX XXXX filing bankruptcy. HFD the payment creditor has done nothing in terms of coming to a resolution. As I have told them and sent them emails, photos, phone calls and shipping information. On smile direct clubs website as of XX/XX/XXXX it had stated that customers who never received a full treatment are not expected to continue to pay and then gives the contact number for XXXX to seek resolution. Upon calling XXXX they told me that it was not the case as they had said i received my treatment. Meaning that the second set that I had received counted as a full treatment. At my appointment on said date the doctor sent my new scans as my previous ones were not fitting. That email was sent to them along with everything else they need to come to the resolution that my treatment had not started.
Consumer complaint received 2021-08-13
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. (CT)

I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  and Transunion in collaboration with XXXX XXXX XXXX XXXX are disregard any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
Consumer complaint received 2020-05-26
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

To Whom It May Concern : Despite numerous attempts since XX/XX/XXXX - ONGOING, I have been unable to dispute the transaction online, and have been unable to reach a live rep without being placed on hold for more than 2 hours! Enclosed is an image of holding over 48 minutes without a response! 



You have now charged the below transactions back to my account. I am unable to contact the merchant as they are closed. If these charges are not removed, I will be forced to file a claim in Small Claims Court to collect interest, cost, and fees. YOU HAVE 30 DAYS TO RESPOND. 



Im writing to dispute the following debits to my account : XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX XXXX {$42.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX XXXX XXXX {$9.00} XX/XX/XXXX
Consumer complaint received 2020-11-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (SC)

Scammers scammed money for job offerings and house purchases. One transaction is a check deposit, from Wells Fargo to the XXXX XXXX XXXX. Date : XX/XX/2020. {$3000.00}. Check # XXXX XXXX XXXX Deposit into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, TX XXXX I contacted both banks, XXXX XXXX XXXX willing to help me , and suggested me to ask Wells Fargo work with XXXX XXXX XXXX and recover my money. 

Please see the attached document.
Consumer complaint received 2020-11-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

Mercantile adjustment bureau placed a collections account on my credit report without my knowledge of the debt. I never received written notice that the account was turned over to them by XXXX XXXX. I contacted Mercantile Adjustment Bureau and advised them of this issue and told them I would like to dispute this account. XXXX XXXX continued to bill me after services were canceled. I explained this to the Customer service agent with Mercantile and requested a copy of the final bill from XXXX XXXX  and they stated they did not have to provide that to me and that I needed to just pay the bill. I explained to them that I would pay what I owed to XXXX XXXX but would not pay for services not rendered. I also advised Mercantile that this needed to be removed from my credit file immediately and they refused to do so. Mercantile Adjustment Bureau is in clear violation of FCRA regulations by not providing written notice of this debt before placing this on my credit file. They are also in clear violation by failing to provide the bill from XXXX as requested. This needs to be removed immediately from my credit file. If they fail to remove this immediately, I will seek legal action against them. They have 10 days from today to remove this.
Consumer complaint received 2020-05-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC. (VA)

In XXXX I contacted Cashnetusa to borrow {$2000.00}. The first payment to repay was $ XXXX XXXX, Then I was told it was {$580.00} in XXXX. In XXXX I was told that I was to pay {$800.00} and that I owed {$2500.00}. With my payments, the amount did not go down it went up. At this point I was concerned that I was being gouged. I contacted them on XX/XX/2020 and stated that I had been out of work and could only pay {$150.00} a month. They then sent me an email stating that I could settle the account with 4 payments of {$990.00}. I have already paid them {$250.00}, {$580.00} and this past week a money order for {$150.00}. This is a total of {$980.00}, yet they say I owe {$3900.00}. 
I am a veteran and XXXX years old and feel that I have been taken advantage of.