davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 2022-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C (OH)

In XXXX, XXXX I was in the market for a new home. A credit report revealed I had a collection from XXXX XXXX. I tried to dispute the collection, because I had never heard of XXXX XXXX. Shortly after I received a court document from attorneys Stenger & Stenger out of XXXX, MI. I contacted my lawyer who after speaking with Stenger & Stenger reported to me that I did owe the debt, but they were collectors and he did not know where the debt originated. I asked on those grounds shouldn't the debt be dismissed. I was told no and a plan was negotiated by my lawyer and attorneys Stenger & Stenger. The plan was that I would make payments of {$200.00}. over the course of 11 or 12 months. Of course I paid, I wanted my credit back in good standing. I contacted XXXX a few times about the collection, I was told they could not discuss anything with me about the collection. So in XX/XX/XXXX I filed a third dispute stating that I completed payments negotiated by the attorneys and provided documentation. The collection still shows on my XXXX report, but not the other 2 reporting agencies. I tried calling XXXX XXXX and they too would not give me any information. I basically paid a debt that I have no knowledge of and it still as of today XX/XX/XXXX is reflecting negatively on my XXXX  credit report. Why can't I get answers about my own credit report? I feel like this is an attempt to keep me in a negative standing.
Consumer complaint received 2020-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I have reviewed a copy of my credit report and I show that inquiries listed on my report are inaccurate and or fraudulent. I have sent letters to credit bureau with no reply to the matter. I have also file and FTC, police report on fraudulent inquiries on my credit report. here are the inquires listed. 

Company Inquiry Date Bureau XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion XXXX XXXX XX/XX/2019 TransUnion
Consumer complaint received 2018-02-06
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank has taken {$410.00} from my account for overdraft fees. I am opted out of overdraft protection, and have also documented account minipulation, on behalf of citizens bank. I have taken screen shots of the bank flip flopping withdrawls, and deposites to bring the account negative for preauthorized debits or checks. There was also a situation where my mortgage lender withdrew my mortgage on the wrong date. After correcting the lender, and the funds being returned, citizens would not refund their fees. This transaction was on the XXXX, but was later changed to the XXXX by the bank. On the XXXX it showed the withdrawl at citizensbank online site. I find these fees excessive and criminal. After speaking with the chairmen, XXXX XXXX, i did not receive my refund. I have documents to prove bank account minipulation as well as the return of mortgage payment by the lender. I have also been charged fees out of no where, with no trace of bouncing the account at all. This bank is nothing more then a bunch of crooks. More documents availible then attached.
Consumer complaint received 2021-09-01
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: EQUIFAX, INC. (TX)

I have 5 unauthorized inquiries on my credit report. I have sent letters and even contacted Equifax directly. I explained to the representative that I had contacted the companies directly already and they all directed me back to the bureau.
Consumer complaint received 2020-09-11
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Sterling Infosystems Inc. (OH)

I opened an issue before and got an email you were not able to send complaint to the company for a response ( XXXX ). Not sure if I filled it out wrong or did not provide enough info. I will add more now. 

The background check company Sterling ( Sterling Infosystems, XXXX XXXX, XXXX XXXXt, XXXX XXXX, XXXX XXXX XXXX ) ran a background check and provided to a company that I did not authorize. It seems Sterling operates under multiple names ( see above ) so it is difficult to find who to talk to. 

My employer ( XXXX XXXX XXXX ) told me I had to fill out a Sterling form online, but when the consent box popped up there was no way to say no, it asked for my name to be typed in so I just put 'no ' that I did not consent. XXXX is saying their system just assumes everyone consents and they in no way need to have written consent, just being on their site implies consent. In summary I did not provide written consent. 

Also the disclosure forms were confusing the name of the company requesting the report was not one name but two companies " XXXX XXXX XXXX '' was the name on the disclosure. I am a current employee of XXXX XXXX XXXX, but I assumed the check was only for XXXX, which is who I thought requested it and that XXXX would not get or take actions against me because of the report. I work for XXXX, but was told to fill out the background check to be a XXXX contractor in a XXXX facility. But it turns out both companies got the report ( as per Sterling ). 

Based on the report XXXX is working to revoke my employment. 

I have emailed with XXXX XXXX who is the director of Compliance at Sterling email ( XXXX ) phone ( XXXX ext XXXX ), but she is saying no written consent is needed for background checks.
Consumer complaint received 2015-08-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (PA)

Received un unsigned letter from Ford Credit informing me that they had unilaterally increased the amount of my loan by {$1500.00} due to a maintenance contract. The maintenance contract had been paid by a Visa card. I have the receipt. 
A company should not be permited to 1 ) increase the amount of the contract ( loan ) without prior approval. 2 ) should not be permitted to send out a letter such as this without a name, phone number and/or e-mail address to respond to. 
My understanding of the Dodd Frank legislation is to prevent things like this from happening.
Consumer complaint received 2015-11-28
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (TX)

I previously submitted CFPB complaint # XXXX. XXXX XXXX of Ford Credit stated in her response to the CFPB complaint that a 30 day late pay for XXXX 2014 is NOT being reported by XXXX XXXX. I have highlighted this statement on page XXXX of XXXX of attachments ( Ford Credits response ). 30 day late pays ARE being reported on my XXXX and XXXX for XXXX of 2014. I have attached hereto ( i.e. pages XXXX of XXXX and XXXX of XXXX ).
Consumer complaint received 2021-07-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

Amerisave is my mortgage company and servicer as of XX/XX/XXXX when I refinanced. It failed to pay my hazard insurance policy semi-annual premium of {$670.00} requested by XXXX XXXX. XXXX XXXX indicates that it billed Amerisave for mortgage insurance on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In early XXXX, I received notice that subservicing was transferred and I had a new loan number. I called up the insurance company and provided the new subservicer and new loan number. I called the Amerisave number and employee indicated premium would be paid. On XX/XX/XXXX, the insurer billed XXXX. I left to messages on Amerisave secured mail site to no avail. In XXXX, I received notice of cancelation of policy from XXXX XXXX. I called up Amerisave and made them call XXXX XXXX. XXXX XXXX said it refused to reinstate policy even if amount due was paid immediately. 

I then obtained a new policy from XXXX ( through XXXX  ) with an annual premium of {$880.00} ( {$210.00} more ). I also was charged {$200.00} for partial period of insurance with XXXX XXXX that I have paid out of pocket. I also received a letter from Amerisave ironically telling me that they knew that my policy had been canceled and I was required to have a policy in place. 

The {$880.00} was paid from escrow for XXXX 's policy in XXXX, upon information and belief, by sub-servicer XXXX. 

In XXXX, I spoke to supervisor of insurance dept. of XXXX ( XXXX ) to request relief for increased premium due to failure to pay. He indicated that XXXX only received sub-servicing in XXXX and that blame laid with Amerisave, not XXXX. He provided me a number to call at Amerisave and he gave me old loan number to provide ( XXXX option XXXX ). XXXX did not offer to reimburse me {$200.00} premium due XXXX XXXX out of my escrow account for original hazard insurance policy. 

I called and did not receive a live employee. I left a message for Amerisave about the situation. I never received a call back.
Consumer complaint received 2015-10-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I called the XXXX number ( XXXX ) and ordered all XXXX reports on XXXX XXXX, 2015, and when I did not received the reports within the 15 day time frame, I reordered all XXXX reports again on XXXX XXXX, 2015. To date, I still have not received my free annual credit reports. As a result, I called each of the individual credit bureaus ' automated telephone lines in an effort to order my reports from each bureau individually. The credit bureaus ' automated systems denied me my free annual report. Further, I placed a fraud alert on my files with all three when I did not receive the credit reports within the promised time frames. I understand that I am eligible for free credit reports as a result of my placing fraud alerts on my credit reports as well. I was denied the free reports as a result of the fraud alert being placed on my files as well. All of the bureaus attempted to charge me for the reports -- even though I still have not received my free anuual or the free report as a result of the fraud alerts. Needless to say, I am very concerned as to who has the reports and the fact that I have not been able to check to see if it is being viewed illegally or for other purposes. I contacted all XXXX bureaus again, and I received confirmation numbers ( after personally talking with a representative and trying repeatedly to get my free reports ), I was given confirmation numbers and a promise that the reports would be mailed out to my address. I will provide an update as to the status after the time frame to which I am supposed to receive them has expired.
Consumer complaint received 2022-03-31
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: SYNCHRONY FINANCIAL (FL)

My ex spouse has obtained my social security number and has attempted, and successfully made hard inquiries on XXXX XXXX, XXXX and XXXX. 

The following are hard inquiries made by a one XXXX XXXX and should promptly be removed : SyncXXXX - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 I XXXX be reached at XXXX to confirm
Consumer complaint received 2024-02-23
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. (AL)

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. 

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 2021-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

It is from XXXX XXXX, an online store that I have been a client for over five years. I was offered their credit card, I that was supposed to be free, and then I was told it could not be cancelled. I have been charged bogus fees because I never used it, or unlock it, so I have been charged fees for no service or purchase. I called them and I was told that to be able to cancel the card I had to pay XXXX dollars, which I did in XXXX, with the promise that I would never hear from them again. Now I was just sent another charge of XXXX dollars, because they say that when I cancelled the card I was 3 days due. For what? I was never informed that. I paid XXXX dollars in fees for no service, and no product. and now they are back to charge me another XXXX dollars? Total scam!!! Please help me.
Consumer complaint received 2021-08-06
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. (WA)

HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!
Consumer complaint received 2021-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MS)

Since XX/XX/2021 to present XXXX has failed to investigate XXXX XXXX XXXX  XXXX, XXXX XXXX/XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. XXXX has failed to investigate XXXX XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX and XXXX XXXX which has been paid off and the receipt showing this has been attached. Lastly Equifax has failed to investigate XXXX XXXX, XXXX XXXX acct ending in XXXX and XXXX. This is ridiculous and this need to be deleted as of now, because you have passed the timeframe allowed and no mail was returned back to me so I know that these disputes have been received. Please remove this inaccurate and unverified information from my credit profile immediately. I would hope that you would have more respect for the FCRA and not continue to be in violation of their guidelines. Attached are my disputes that were previously sent and proof of Identity. Please consider this my written authorization to investigate this matter. 

Thank You
Consumer complaint received 2018-01-31
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I called Navient to reapply for the Rate Reduction Program I have been in for three years and was denied because of my cosingers information. My cosigner told Navient he is retired and does not have any income, in addition he does not have any social security money coming in as he is not yet XXXX. I have paid the amount due on my loan faithfully for three years and have never missed a payment. If my cosigners are retired and have no income, they can not pay their bills and afford to help me pay mine, which is what my cosigner explained to Navient. I am trying to give Navient money for my loan, but they are making it incredibly difficult to do so. I have been in this program for three years and have never had an issue reapplying.
Consumer complaint received 2021-07-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SCA Collections, Inc. (NC)

Contacted SCA collections on XX/XX/2021 by certified mail requesting debt validation. 

Sent second request by certified mail on XX/XX/2021 XXXX request was sent on XX/XX/2021 by certified mail. 

Company failed to properly valid debt within 30 days and is in violation of the FCRA.
Consumer complaint received 2018-01-30
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: CURO Intermediate Holdings (IL)

I came into this location for a title loan and was told that because I had one already I could only do one at a time which was not a problem. I talked to XXXX on the phone and she informed me they offered pay day loans not based off credit. I told her I would come in as long as it wasn't based off my credit because I didnt have great credit. Once I arrived I went through the process seemingly fine and then there were several issues with the format and how it was sending and printing to the servers at speedy cash. The representative helping me told me something was wrong with the printer or something. She told me she could run the application with just my SSI income and I told her that I did not want to do that because I wanted all my income included and accounted for. The young lady came back and handed me a paper saying I was denied for my loan because of my credit score and so forth. I asked her how I was denied because I already informed her I didnt want it ran without all my income included and furthermore how and why my credit was even pulled and ran because I did not want any loan based off my credit because i know a pull would stay on for two years. I asked the young lady why i wasnt informed my credit would be pulled and that it was a hard inquiry and she simply apologized and told me that she thought someone informed me of that. I called into the internal customer service line for the company they alleged taking my complaint but no one has reached out to resolve the matter.
Consumer complaint received 2021-07-08
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: SYNCHRONY FINANCIAL (PA)

I looked on my credit report and there is a SYNBC/JCPENNYS Credit Card on my credit report with a credit limit, payments and negative remarks and sasys Closed.

I have never applied or had a SYNBC/JCPENNYS Account XXXX. I have been a victim of identity theft the federal trade commission Report # XXXX. I have contacterd the company been hung up on or disconnected. 

i have never applied or had an account with this company.
Consumer complaint received 2021-08-06
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. (WA)

HELLO, I HAVE SUBMITTED OVER 5 DISPUTES REGARDING AN ACCOUNT THAT ISNT MINE. PURSUANT TO SECTION 605B MY RIGHTS ARE BEING VIOLATED! XXXX HAS NO RIGHT TO KEEP REPORTING THIS ACCOUNT THAT IS CLEARLY NOT MINE!
Consumer complaint received 2017-11-19
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: Experian Information Solutions Inc. (CA)

I tried to get my credit reports at XXXX on XXXX XXXX, 2017. When I tried to get my experian report, it said that there was some problem at this time that prevented delivery. When I tried to get my XXXX report it says that they refuse to deliver it online and that I have to mail in the form supplemented with two photocopied identity documents. When I tried to get my XXXX report, it claims it failed to verify my identity because not enough information was supplied, but I filled in every field in the online form. The website is basically useless.
Consumer complaint received 2018-01-31
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. (TX)

My husband and I disputed many accounts and inquiries on Equifax, XXXX and XXXX in XX/XX/2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.