davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-16
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)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Consumer complaint received 2022-02-02
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: BMW Financial Services NA, LLC (IN)

Several unexpected loan inquiries on my credit report on XX/XX/2021 when I arrived at the dealership with my own financing from my credit union XXXX XXXX. These unauthorized inquiries included : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. 
XXXX XXXX BMW Financial Also XX/XX/XXXX, XXXX was another unauthorized inquiry as I already had approval from BMW Financial on this day.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have filed online a request for annual credit report. I went thru all the steps and at the end I did not get the report. Their system hang and that was it. I did not get my report. 
Now, this company make impossible to contact them. 
I did call and they never pick up the phone. Automated system ask endless question and it is impossible to get a person on the phone. 
In the end I don't have my credit report. This was about XXXX to XXXX days ago, which would make a XX/XX/XXXX, 2021 The company hides behind their automated system and it is not possible to get in touch with them.
Consumer complaint received 2018-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I am a former customer of Bank of America. During my time as a customer of Bank of America I was robbed, my identity documents were stolen and I became a victim of identity theft. I filed a police report and have attached this report to this complaint. 

I had two checking accounts and one savings account with Bank of America. After my documents were stolen I went into a Bank of America branch and told a teller that I needed to cancel my old debit card and to order a new one. I told the teller I did not have the debit card anymore. The teller then closed the debit card attached to the wrong checking account and ordered a new one. I told the teller to close the debit card for the checking account ending is XXXX but the teller did not listen and closed the wrong card and ordered a new one. I did not notice this until a few days later when I audited my account and saw charges I did not authorize. 

The fraudulent charges were to two merchants ; XXXX XXXX and XXXX. 

I filed a claim with Bank of America regarding these charges. Bank of America 's risk department then froze my accounts and began the closure process. I was told Bank of America had made a business decision not to bank with me anymore. Today I received a letter from Bank of America 's claims department telling me they investigated the claims and found no error and were holding me responsible. 

I called the two merchants myself to inquire about these fraudulent charges. I called and spoke to the office manager of XXXX XXXX. His name is XXXX and can be reached at ( XXXX ) XXXX. XXXX XXXX confirmed that they charged my debit card over the phone for a third party patient that had my card number. XXXX XXXX confirmed I did not receive any goods or services for this charge. XXXX would not tell me the name of the patient citing HIPPA laws.

I called XXXX  and spoke to someone in the Fraud Resolutions department. I was told again that a third party used my debit card to book a vacation through XXXX. XXXX confirmed that the account that used my card was NOT in my name and that I did NOT receive any goods or services for this charge. 

Basically Bank of America decided to hand my accounts over to their Risk department and after that all my claims were just blanket denied. I have both merchants on record confirming that I did not make these charges and a third party did. Bank of America clearly did not actually do an investigation. Had they called either merchant they would have been told that I did not purchase these goods or services and that both merchants were charging my card due to a third party not authorized by me. 

Should Bank of America attempt to hold me liable for these charges I will have no choice but to seek legal remedy.
Consumer complaint received 2023-01-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-08-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CT)

On XX/XX/XXXX, I got a voicemail on my home phone from someone representing the Department of Education stating I qualify for a better repayment plan. On XX/XX/XXXX I contacted the phone XXXX. I spoke to a woman who said there is a push from the department of education and lawmakers on the student debt crisis. She spoke very good English and I could hear other conversations in the background about student loans/rates etc. She said I was overpaying from XXXX and said by the end of the loan term after paying it off, i'd pay over XXXX almost double what my loan amount was originally. She told me I would only pay a total of XXXX. She said there will be a larger payment over the course of four months of {$260.00} and then it would drop to approx. {$80.00} pending final loan amount. At no point did she say there were fees or what that XXXX would be used for and towards. She also said I qualified for forgiveness of the loan after 10 years, which is not true because I don't work for a non profit or govt agency. XX/XX/XXXX is when another payment of XXXX is to come out. 

On XX/XX/XXXX, I received my first mailing. It said at the end of my term, it would be over {$80000.00} paid WAY more than XXXX and Far more than the XXXX. XXXX was not even XXXX according to my last statement. 

On XX/XX/XXXX, I received a courtesy call from XXXX asking me if I was aware someone was accessing my XXXX account and FAFSA information. My email had been changed to XXXX which is not correct. The auto debits were stopped all through XXXX. 

There was a lot of misleading information especially about the final payoff, if it's a government loan whether it's XXXX, XXXX or Fed loan directly everybody should have the same payoff amount. No fees should be accepted. 

at :XXXX XX/XX/XXXX, according the letter rec 'd on XX/XX/XXXX I can cancel within 10 business days of the dated letter XX/XX/XXXX. I went ahead and I canceled the loan consolidation process. I have also been in contact with XXXX to keep the loans with XXXX.
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Consumer complaint received 2021-12-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Idaho Housing And Finance Association (NE)

This is a follow up to Complaint XXXX which was submitted on XX/XX/XXXX. 

After our Mortgage servicer voluntarily dismissed their foreclosure action they have refused to take payment on our mortgage citing the fact that they had started a foreclosure action and because of that their system won't allow payment to be made. That conversation happened around XXXX CST on either XX/XX/XXXX or XX/XX/XXXX of 2021. The representative of Idaho Housing and Finance Association  said that the call had be escalated to a supervisor and I would be getting a call back within a few days. It is now a month later and there has been no communication from Idaho Housing and Finance Association. 

On top of that when we checked my wife 's credit score my wife 's credit score had been negatively impacted by Idaho Housing and Finance Association and had not been fixed. 

It should be noted that the companies lawyers broke the rules of Iowa Civil Procedure at least once during litigation by submitting a document saying that they had held a Trial Setting and Discovery Conference with us. This should have amounted to lying to the court as this would have been a step that is required for any case that is heading to trial
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To Whom it may concern I am writing you regards to the inaccuracies that are being reported on my credit report which are in violations of my consumer rights.Also I was a victim of the XXXX XXXX breach. I am demanding that this information be corrected on my credit report. 

15 U.S. Code 1681 i ( a ) In general subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly disputing the wrong information requesting for the information to be DELETED IMMEDIATELY. I only have one home address and that should be the only one reporting on my credit report. 

My current home address and only address is and has always been as follows XXXX XXXX Ct XXXX Ca, XXXX Addresses that dont belong to me and should not be reporting on my credit report is down below XXXX ). XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX North Highlands Ca, XXXX XXXX ). XXXX XXXX Way XXXX Ca, XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca I also see phone numbers that do not belong to me the phone numbers are listed below XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX XXXX ). XXXX MY CURRENT EMPLOYER IS, XXXX Steps forward XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca, XXXX There is multiple employers that are also being reported that should not be reporting on my credit profile. The employers that need to be deleted are listed below. 

XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XX/XX/XXXX XXXX ). XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in XXXX!!! 

Thanks kindly XXXX XXXX XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-16
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. (NY)

I am submitting a complaint in reference to this company knowingly reporting inaccurate data. I have no contract and have no reason to be in any type of business with this company and they are committing FRAUD. My credit profile is affected by these violations, this fraud, SUSPICIOUS, AND DECEPTIVE. I demand proof TO SEE ' Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the validation and verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. 



I have sent letters on XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and i still have yet to receive a proper response that validates this debt.
Consumer complaint received 2021-09-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/2021 portfolio recovery associates LLC sent me another letter attempting to collect a debt on an account that has not been verified. I have made multiple requests asking for PRA to validate this debt. The have not provided me with anything with my signature or any proof of validation that I own them anything. My rights are being violated.
Consumer complaint received 2021-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

I recently disputed a medical account with AR resources inc to validate an account ( XXXX2020 ) that I have with them and they sent me my medical bill and that is A HIPPA VIOLATION. I did not sign a HIPPA form authorizing this collection agency to access my medical records they are violating HIPPA policies and violating my privacy as well. I will send proof of the letter I sent and what I received from them.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

This is my second complaint about this information not being investigating as per FCRA. Under FCRA, this information must be verified by Experian. This means providing me with evidence that the information is reporting 100 % accurate. I have yet to receive anything for these items.
Consumer complaint received 2022-11-19
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. (FL)

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 XXXX XXXXXXXX, 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 2022-05-01
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. (FL)

THIS COMPANY IS IN VIOLATION FOR CLOSING AN ACCOUNT THAT I DID NOT AIUTHORIZE THEM TO CLOSE. THIER REASON WAS I HAVE TOO MANY CARDS WITH THEM AND IVE ONLY HAVE ( 1 ) CARD WITH THEM. 

ACCOUNT : XXXXXXXX XXXX XXXX ( XXXX  )
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

My identity has been compromised and the more that I research the accounts reporting fraudulently the more I believe a past business associate who stole thousands of dollars from me is the culprit of the crime. I am doing everything to protect my credit so I have requested extended fraud alerts, my personal information to be corrected, and unauthorized inquiries removed as suggested by the FTC. I sent each of the bureau 's a letter on XX/XX/2021 a letter requesting that my personal information be corrected there is currently inaccurate names and addresses and yet this inaccurate information continues to report on my credit report. Attached to this complaint is a copy of my identity theft affidavit and the letters that were sent to the bureau 's in which the failed to modify.
Consumer complaint received 2022-03-30
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (FL)

I attend XXXX XXXX and have a private loans of XXXX $ that need to be forgiven. I was pushed to get out loans in order to attend the school. Now I have a debt i cant get rid off. The school defraudet me
Consumer complaint received 2020-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I went into my debt relief program in XX/XX/2018 to resolve my Credit Card debt. My XXXX XXXXt Account ( XXXX XXXX ) was part of the program At some point XXXX sold the account to Midland Credit Management. In late XXXX I got a notice that there was a new Collection on my Credit File. I researched the matter and found it to be Midland Credit Management. XXXX XXXX XXXX more specifically XXXX XXXX XXXX had been working on this account to settle it and finally around XX/XX/XXXX had a verbal agreement to settle the debt as shown in the attachments. After several attempts I tried to contact Midland myself and was told they would only talk with XXXX. I asked XXXX and they consented to allow me to co-contact them to simply get them to agree in writing what they had verbally agreed to, a commitment letter indicating and agreeing to the amount, whom to make the check out to and where to send the check. When I contacted them they gave me a couple fax numbers and I sent them info and I finally was able to contact XXXX XXXX who referred me to XXXX XXXX who told me she would only talk with XXXX. XXXX has been trying to get the commitment letter, has been told by Midland their equipment was broken and they could not produce said letter and basically stonewalled us until the original agreement ran out. XXXX was able to renew the agreement the XXXX XXXX   XXXX however they have still been unable to get a simple letter of commitment so I can send them a check which I have to settle the account. They are still stonewalling us. We are coming to the end of XXXX and it will be over 60 days that they are non-responsive
Consumer complaint received 2018-02-19
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. (FL)

I think the CFPB needs to be aware that credit reporting agencies ( XXXX & Experian ) are having very serious issues. I just looked at my credit report with Experian and it shows all zeros ( last week I was fine ). I should show a credit reporting history that dates back over thirty years which is what the two other agencies show. My husband pulled his credit report with XXXX  last week and it also had all zeros listed. When you try to obtain a free report, the agencies are unable to provide you one because you do not exist. You have to pay for a report and then send a dispute through the U.S. mail. The issues that both of us encountered with these reporting agencies have caused each of us a 60 point drop in our credit rating.
Consumer complaint received 2018-02-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Recovery One, LLC (MD)

I sent a letter to Recovery One LLC requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They have not responded to my request. I have attached supporting documentation. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Consumer complaint received 2018-02-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc. (TX)

the car was sticker price XXXX was not on vehicle,, calll XXXX gave them vin, XXXX rebate, XXXX down loan should of been XXXX, the contract was not given to me but was going to be mail out, GM gave me a copy, XXXX total this is fraud, esp when no sticker was on the window, the excuse the sticker was in didnt have one.