davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-20
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. (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.
Consumer complaint received 2017-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (MI)

I fell behind on payments on my Chase credit card. I contacted them and closed the account and made arrangements to pay off the balance. I paid off all but around {$1000.00} and I called to try and settle as I could not make the payment anymore. They told me no, I could n't settle. So I stopped payments. That was in XX/XX/XXXX. Ten years later, this is still on my credit report. The report says I was making payments through XX/XX/XXXX which is a complete lie. The last payment I made was in XX/XX/XXXX. It also says the last contact I had with them was in XX/XX/XXXX. Again, a lie. This should 've been removed from my credit report years ago. Furthermore, if I had been making payments for those 5 years between XX/XX/XXXX and XX/XX/XXXX, the balance would have been paid off! They are blatantly lying about my account history.
Consumer complaint received 2017-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX
Consumer complaint received 2024-02-20
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. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 2017-12-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (AZ)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... $ XXXXper month ... wife has XXXX and was XXXX..i had to take care of all bills.
Consumer complaint received 2021-02-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing items on my credit report with ALL 3 of the bureaus and NONE of them have responded to me. I have been denied financing and it is because there are errors on my credit report that THEY are reporting! I have contacted the Attorney General in their state of operation and you, the CFPB should be ensuring that they are doing what they are supposed to do under the law. They need to remove the errors I have been disputing! 
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have also filed a complaint with the better business bureau and federal trade commission because to my knowledge I do not recall any of these accounts. I need this problem fixed immediately and I should not have to wait another 60 days just to receive a response because is clear you guys are just ignoring my request when you are suppose to assist me as a consumer. I demand these accounts be deleted immediately or I will have to file litigation for the stress you all have caused me. I read under Section 611 ( a ) it plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly isn't that what the law states so I don't understand what's going on please help me understand these companies are not being help to comply and I don't need the credit bureaus to keep asking me to send in correct identification because that is clearly a stall tactic my information is correct and valid identity The accounts that are being disputed are XXXXXXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late Payment from XX/XX/XXXX XXXX XXXX XXXX needs to be deleted from the profiles, account has been paid XXXX XXXX XXXX, Company has been sued for predatory lending. Remove account from profile XXXX XXXXXXXX XXXX XXXX Late Payment from XX/XX/XXXX XXXX, Late payments from XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX needs to be removed
Consumer complaint received 2018-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (TN)

Last Reported XXXX XXXX, 2017 Collection Agency ERC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, 2017 Closed Date -- Responsibility Individual Balance {$2000.00} High Balance {$2000.00} Remarks Placed for collection
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I checked my credit report and found a bankruptcy on the credit bureaus reporting. I called the bankruptcy court to inquire if the bankruptcy court reported the alleged item. The court said they do not call, fax, mail, give out, or report any court information to any credit bureaus. Thus according to FCRA any negative information must be verified accurately. Please remove the alleged bankruptcy item from my credit report.
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX ( 3 mos ) {$920.00} XXXX XXXX XXXX ; I sent letters since XX/XX/XXXX since then no one respond to me. I told them that this should not a bill. When the neighbor called the ambulance when I had an XXXX XXXX, my girlfriend did not let them go with me because I got better. When they came, they got my name and social. And later they sent their bills. Not fair at all. I did not get into the Paramedics. Please remove that. Thank You!
Consumer complaint received 2017-12-05
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. (WI)

Company ( XXXX / equifax ) obtained and stored my personal information without my permission. In the process of storing my information, they carelessly let my information be obtained by an outside source. 

They did offer me a 1 year credit protection service for free. 

2 problems : 1 ). The data breach affects me for the rest of my life. ( possibly 30 + years ). 

2 ). Dealing with a problem, caused by them, has already cost me several hours of work. 
Hardly free!
Consumer complaint received 2018-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

I received the following email from Experian on XX/XX/XXXX ( full text of email is shown ). Then when I looked at my account yesterday, it said I was being charged {$19.00} per month. When I called the membership department, I was told that the {$4.00} was a one-month trial and that the website explained the higher monthly charge. 
However, I believe this is quite deceptive advertising, because the email does not ever mention a one-month trial or the higher fee. The website was difficult to navigate but I thought I could trust the email from a company like Experian. 
I am on a limited income so I had no choice but to cancel the account. 

XXXX Experian Membership ID # XXXX  Member Sign In New level of protection As identity theft increases, it's time for you to increase your control and level of protection in XX/XX/XXXX. For just $ XXXX/month, you'll get ability to lock your Experian credit file and block identity thieves from accessing it. 

Up your protection More benefits that monitor your identity and credit Experian CreditLock Lock your Experian Credit File instantly to prevent new credit accounts from being opened in your name. 
Dark Web Surveillance Alerts you if we find your personal information on the dark web. 
Experian Credit Report & FICO Score Keep track of both, refreshed every 30 days upon sign-in Hard Inquiry Alerts Be alerted if someone conducts a hard inquiry into your credit, as these can lower your score. 
Protect yourself XXXX
Consumer complaint received 2017-11-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

XXXX XXXX, 2014 ( 3 yrs, 5 mos ), {$710.00}, XXXX XXXX XXXX Never respond back to my letters. Because I have never been to this hospital.
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX, I had the chance to pull my credit report and review it because I always get alerts via email stating that I have derogatory information on my credit report. I have been a victim of identity theft and I certified that these accounts are not related to any transaction done by myself. I then reach out to the credit bureaus and they explain that because it's identity theft, I would need an FTC report with the listed fraudulent accounts. This has been affecting my credit for some time now. It wasn't until I was getting a house for my family that I noticed these accounts. Also, I am asking that this be removed within 15 days.
Consumer complaint received 2015-07-07
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: ENCORE CAPITAL GROUP INC. (TX)

I received documents from a local processor or server from MCM Midland Credit Management , Inc. also Midland Funding. All of these names or company names are on XXXX sheet of paper of the letter. It is for a debt that is being collected for XXXX, also XXXX XXXX XXXX Bank. I called and made arrangements for this account to be taken care of by allowing them to collect {$50.00} a month until the debt was paid. They have since taken out two months worth of payments. I received another set of paperwork, that is dated XXXX XXXX, 2015, and it states that I need to sign the documents and send them back, or " Failure to sign and return these documents will delay the settlement of your case and may result in the continuation of litigation. '' I called the office of this company and/or group of lawyers, as on the documents it lists XXXX names of attorney of which only XXXX signed? I am really confused, so I had my wife call to get information as to why I need to sign this after making arrangements two months ago and they have already agreed by taking payments out for the Months of XXXX and XXXX. When my wife called, the lady who answered was very rude and kept asking her if I was being represented by an attorney and my wife said she had consulted someone. The lady at this office would not transfer my wife to the account manager unless she answered her questions as to whether I had an attorney or if I was being consulted. My wife said, just transfer me to the account manager. The lady stated our account manager was " XXXX '', but she refused to transfer my wife to discuss the matter and find out what exactly to do and why. My wife was frustrated and hung up because the lady was rude and would not even let her finish her sentences. It 's impossible to deal with people who wo n't answer questions and explain details, therefore, why am I making an effort to pay a company that deals in this manner. I have made many arrangements and have successfully paid old debts, on time since our lives have come back together financially. I do n't feel I should have to deal with a " gate keeper '' in order to pay this debt or be insulted in order to do so.
Consumer complaint received 2021-03-24
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: Convergent Resources, Inc. (TX)

Convergent Outsourcing continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Convergent reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Convergent. To that end, I sent a letter to Convergent Outsourcing ( see attached ). To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. Convergent is unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. 

It is obvious that Convergent Outsourcing is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately.
Consumer complaint received 2021-02-08
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NY)

I submitted case # XXXX to CoinBase during the week of XX/XX/XXXX due to my funds being locked into a digital vault that I can not access due to a secondary authentication email that I did not provide to XXXX and can not change. 

I have received no response from the company. 

The image with the XXXX address is not my email and Coinbase has failed to help me resolve this issue.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (IN)

XXXX XXXX XXXX had account of mines from XXXX XXXX XXXX, however this account was sent back to XXXX XXXX XXXX. I received a letter from XXXX XXXX XXXX stating they now have the same XXXX XXXX XXXX account in their office. I contacted XXXX XXXX XXXX to inquiry about the account, they informed me the account is not in their office and the account has been deleted from the credit bureaus. I have verified with the credit bureaus the XXXX XXXX XXXX remain on my credit file.
Consumer complaint received 2018-01-19
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: JPMORGAN CHASE & CO. (NY)

I believe my credit card was used with out my permission. I have never used my credit card. There are over 25k in charges that I did not make. I do not want my card closed however. I just want the charges erased from my balance sheet.
Consumer complaint received 2017-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

I sold a house in XXXX of XXXX -- paid the mortgage off -- and it still shows as an open account with a balance of $ XXXX I have tried multiple times to get this fixed and changed on my credit report to show the debt as paid and the account closed to no avail. 

Most recently, I contacted both TransUnion and XXXX as well as XXXX XXXX XXXX Mortgage to attempt to get this resolved. 

I have gotten letters stating that a review has been completed and they did not change anything on my report. Again. 

I have also attached a letter from XXXX XXXX stating that the loan is paid in full and that they were working with the reporting agency to get the reporting issue resolved.
Consumer complaint received 2016-06-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

Due to my divorce agreement, my ex-wife was court ordered to pay the mortgage and all carrying charges ( I have documents ) until the children were emancipated and the house was sold. She stopped paying the mortgage and I was never informed. They have been reporting this to the credit agencies and it 's affecting my credit rating.
Consumer complaint received 2017-08-23
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP (KY)

My XXXX who is a XXXX XXXX was taken advantage of by The American Advisors Group. His living room floor sunk on 1 side and he asked for a reverse mortgage. They promised money to pay for all of his debts. The floor was never fixed. the company sent a work crew out to fix carport and paint storage building and he did not want these things done. the money for these repairs was taken out of the {$22000.00} promised. XXXX received roughly XXXX dollars. Now he had to make insurance payment and they are large like a loan payment. The loan has jumped up to {$22000.00} most of this is interest. How is he suppose to pay this? Then there is the matter of his eventual death, they promised that I the XXXX child would have the house which sits on XXXX areas of land. I am afraid They will still the house from me. Like they did in the XXXX XXXX XXXX court case which they lost and it is so close to our complaints. I need this matter resolved and I strongly advisor others to be very cautious about this company and there outrageous claims, lies and theft
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (SC)

In XX/XX/2021, I accepted a 7 day trial offer from MyEquifax.com. On the 7th day, I called Equifax and cancelled my trial offer. For the next couple of months, I kept seeing attempted charges of {$19.00} on my XXXX. I called Equifax to ask why are they trying to debit my card for {$19.00}? I have cancelled that trial membership. I was apologized to and assured they would not be taking the {$19.00}. On XX/XX/XXXX at XXXXXXXX XXXX, I received a notice from XXXX that {$39.00} was charged and completed. 

I've made 4 attempts to correct this issue. I've escalated this issue to XXXX who stated he's a supervisor on XX/XX/XXXX, and lastly with XXXX on XX/XX/XXXX, both identifying themselves as Supervisors. 

On XX/XX/XXXX, XXXX stated the refund is processing and could take 7 -14 days. On XX/XX/XXXX, XXXX stated " I will not be getting a refund. They had a system glitch and you were speaking with agents who simply did not know what they were talking about. '' Offering a resolution of products and services. I declined the resolution! The only resolution is my refund.