davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
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: EQUIFAX, INC. (IL)

Equifax stated this bankruptcy was verified it provided no further details on how it was verified. The clerk of court stated they did not report any sick information and the data furnisher known as XXXX even deleted the information. This is my final attempt at getting Equifax to follow reasonable procedure outline in the laws established to govern the credit bureaus. Equifax is also securitizing my information for profit without my consent they are located on the New York stock exchange under commission file number XXXX this is putting my personal data at risk of data breachs.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I was under the impression that I was signing up for Transunion 's {$1.00} credit check. 

I had done this with 2 other agencies and wanted it on Transunion just to double check my information since I was applying for apartment. 

I have no idea how I signed up for anything outside of the trial period, I was reading each screen carefully. This month, about 2 months after signing up for Transunion, I realize I have been getting charged $ 25 monthly. I called and they said they would only reimburse me for 1 month. 

On top of that, online it says their monthly fee is {$19.00} so I was getting charged MORE for a product that I didn't even sign up for. 

This almost feels like a scam. I signed up for the other agencies with no problem like this, Transunion is the only one that did this. This is a disgusting, sneaky thing that they did, but it is even worse they are continuing this practice during COVID, and that they wouldn't refund more than 1 month.
Consumer complaint received 2020-04-21
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: Experian Information Solutions Inc. (PA)

CHECK FOR METRO 2 REPORTING COMPLIANCE versus alleged data that is NOT YET PHYSICALLY CERTIFICATED as FULLY TRUE, ACCURATE, COMPLETE, TIMELY, MINE, MY RESPONSIBILITY or adequately displayed as MANDATED by every and one even each any and or all laws, mentioned or NOT
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion, XXXX, & XXXX are continuing to report incorrect information. There are several name variations and address that are not mine. These are adversely affecting my ability to get credit and this is a violation of FCRA which is the enactment that govern reporting agencies. I would like the documents that each credit bureau used to validate this information in order to report it. 

These names and addresses need to be immediately removed and update to show accurate information which is XXXX XXXX with no other variations because it would be considered identity theft and my only address is XXXX XXXX XXXX XXXX, GA XXXX any other address should be removed immediately. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2021, I sent a letter about the inaccurate information on my credit report. I have not received a response yet. I feel like my disputes are being ignored. Section 611 ( a ) states that failure to investigate these items within 30 days is a reason to immediately remove these items from my credit report. It has been over 30 days so they should be deleted immediately. Please help me
Consumer complaint received 2020-07-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my account without me knowing. I ultimately received a letter in the mail about a week after I found out it was closed. 

Account closed on XX/XX/2020. I found out due to not being able to log into my account on mobile and web. I called bank of america to figure out why it was closed. They informed me that it was closed due to a business decision. Due to this closure, all my money is currently locked up and I am not able to pay bills. About {$2300.00} is locked up. 

Bank of America informed me the account is closed and a cashiers check has been mailed out and that it should take 7-10 days. It is currently XX/XX/2020 ( 12th business day ) and I have not received it. 

I call everyday to see if there is anything they can do about cancelling the current check or reissuing. They keep saying there is nothing that they can do. 

I need to have access to my funds so that I can make my payments.
Consumer complaint received 2020-09-12
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. (FL)

i have sent in dispute letters to all 3 bureaus for 5 months now and no changes and no replies. There are inquires that are on my credit and I have no knowledge of them. i have asked for proof and got nothing
Consumer complaint received 2021-02-28
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: American Credit Acceptance, LLC (CA)

I did not give my consent to run my credit for the following companies. 

1. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. 
XXXX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

5. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

6. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

7. 
AMERICAN CREDIT ACCEPTAN Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2021-02-28
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: CITIBANK, N.A. (TX)

I was charged fraudulently twice the same dame by XXXX on XX/XX/2020 for two different amounts for the same rental we vacated because the advertised lake access from the property was not attainable because the property tram to the late was broken. We spoke to XXXX the area manager that promised a full refund. Only one of the two charges was refunded and the other discounted as a sham transaction. Citi failed to properly ascertain what transpired and has reported against me to the credit bureaus improperly and continues to send me billing. I understand XXXX does this type of fraudulent charges regularly.
Consumer complaint received 2020-07-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (TX)

Midwest Recovery Systems placed a collection on my credit report. No validation process was followed. No information Was provided regarding what the debt was for. I researched and verified a fraudulent pay day loan was made in XXXX of XXXX. The debt was from a fraudulent XXXX XXXX XXXX  loan. I filed a Identity theft report and police report for several fraudulent accounts opened in XXXX due to my information Being leaked in a XXXX email data breach. No XXXX of XXXX Midwest recovery systems Files a fraudulent collection that is over 7 years old and does not have any certified documentation verifying I requested a loan with XXXX XXXX XXXX. I expect this fraudulent debt to be removed and no further reporting made for a fraudulent debt from over 7 years ago.
Consumer complaint received 2021-02-28
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (TX)

This complaint concerns my Loan Modification with XXXX/Dovenmuehle that took 12 months to process, while impacting my credit report/rating. XX/XX/XXXX I had to quit my job, because of health reasons. In XX/XX/XXXX, I requested a modification of our 15 year mortgage loan, to be changed to a 30 year loan, with XXXX/Dovenmuehle, and on XX/XX/XXXX, I received a letter that my application was complete. An appraisal was done and my modification was approved XX/XX/XXXX. I was told to make 3 trial payments, XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I emailed my loan officer for an update, who told me he was working on the final paperwork. These responses from him went on for several months, until I started receiving calls from the collection dept. My loan officer then told me there was a title issue with my XXXX refinance, and I would have to go back through another process fast because XXXX was going to start the foreclosure process. There were no issues with my title and there was no reason the modification couldn't move forward, and I finally signed the new docs on XX/XX/XXXX. I received a number of letters from XXXX, stating they were looking into the late payments, and I have letters from them, stating they found issues and had sent paperwork to the credit bureaus to correct them.. As of XX/XX/XXXX, the errors are still on my credit report.
Consumer complaint received 2020-07-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Midwest Recovery Systems (NJ)

I was notified by phone on XX/XX/XXXX by Midwest Recovery Systems that I owed an outstanding debt of {$450.00} and to call XXXX. When I called I was informed that they were a debt collection agency that had acquired my debt on XX/XX/XXXX from a payday loan from XX/XX/XXXX from XXXX XXXX  and that they had just put the debt collections on my credit report. When viewing my credit report Midwest Recovery Systems list the date of the debt as unknown ( instead of XX/XX/XXXX ). This debt, which I disputed as I was unemployed XXXX and never received a payday loan during this time, would be coming off my credit report in 11 months even if I lose the dispute, but where they fraudulently submitted unknown for debt date it will remain for the next seven years. They also told me that I can not dispute the debit until I pushed and became angry. The statue of limitations to collect a debt in NJ is also 6 years and yet they submitted date as unknown when they clearly know what the date is as they reported it to me.
Consumer complaint received 2020-04-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Alabama Housing Finance Authority (NC)

XXXX posted the video in regards to the CARES Act that the CFPB made. It mentions to ask 3 questions to the mortgage company in regards to Forbearance due to COVID. When I ask them how am I to pay back the forbearance they told me they would tell me XX/XX/XXXX. How can I commit to miss 3 months of payments without knowing the term of the missed payments. I have spoke to them on the phone and requested for the terms to be emailed to me. They have declined to send me the terms of my forbearance but only send the definition of forbearance. I would like to know the terms in which I am held to. They will not answer the questions within the video.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Integrity Funding Ohio, LLC (GA)

On XX/XX/2020, I received a collection letter from Integrity Texas Funding LLP, d.b.a. XXXX XXXX. I have never done business with a company of either name. That same day, I responded to them in writing disputing the debt. In my dispute letter, I explained I had never done business with them and requested evidence that I was the debtor. 

In response, I received a copy of an unsigned credit application. I did not receive any evidence that I was the borrower. The company claimed their investigation showed I was the borrower. It is exceedingly clear they failed to conduct as reasonable investigation as required by the Fair Credit Reporting Act, and that they have not met their legal obligation to provide evidence that I owe the debt they are attempting to collect. 

As the victim of identity theft, I am appalled by their callous disregard for the law. Based on my experience and their lack of evidence, I suspect this firm routinely violated anti-money laundering requirements to " Know Your Customer. ''
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (NV)

MIDWEST RECOVERY SYSTEMS ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-10-05
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

On XXXX XXXX I sent a certified letter to XXXX, Experian, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, To dispute all negative information off my credit report I also sent items verifying my identity I also sent items such as a police report theft affidavit etc to Dispute and Remove all inquiries Negative item etc Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation Im in the process of suing the credit agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now Im sueing
Consumer complaint received 2021-02-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (IL)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for weeks but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. There was never any problem, but this happened out of nowhere which really effects me negatively. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2021-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The following accounts are fraud accounts that were opened without my knowledge or consent : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX I attach an FTC identity fraud affidavit, please investigate and delete these fraud accounts.
Consumer complaint received 2020-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX ( XXXX XXXX XXXX ) a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$890.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-10-05
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. (NV)

A XXXX  XXXX account was opened due to Fraudulent activity I was never aware of this account and reported XXXX soon as I found out about it due to checking my credit score on XXXX XXXX for the first time in well over 7 years. TransUnion keeps adding this account after they take it off XXXX processed it smoothly but transunion keeps messing with my credit and I dont know what to do!
Consumer complaint received 2020-04-30
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

1. We were in the process of looking to purchase a Used XXXX  XXXX XXXX at XXXX XXXX in XXXX, FL. After going through the process and agreeing upon a final monthly payment amount. This is where it went downhill because the dealership is advertising the vehicle for {$31.00}, XXXX ( see attached online ad ) however when they presented the loan offer to us they marked the car up $ XXXX. When I asked them how did the car price increase from {$31000.00} to over $ 41k. The car salesman said it was based off of certain restrictions. I advised him that the online advertising does not state in order to qualify for this price you must meet certain requirements ( which is deceiving and misleading to consumers ). Not to mention, they claim they are paying your trade in off but in reality they aren't because they are adding the trade in value back into the loan at the back end of the loan. Therefore, I feel as though they are violating UDAAP and false advertising.
Consumer complaint received 2024-04-16
Product: Credit reporting 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: EQUIFAX, INC. (LA)

I have been trying to obtain my credit scores from XXXX or XXXX but Equifax have an internal block on my personal information, resulting in me not being able to obtain either reports or scores from third party. XXXX is a representative I'd just talk to and she said the only way for them to remove the block is for me to send the ID and ssn card, which I have sent twice and now they are lost somewhere because Equifax never received them. Equifax don't have any other way for me to submit the information requested. I have uploaded my ID and ssn card to myequifax.com to no avail, im out of options.
Consumer complaint received 2021-02-28
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: Experian Information Solutions Inc. (OH)

After pulling my credit report, I found inquires that were not authorized : XXXXXXXX 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 2020-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc (NV)

This company ( Plus Four ) shows up as a collection item on credit report. The balance is {$290.00} and I am being notified the balance keeps increasing. I dont know exactly what medical bill this is for/what services the debt is for. I was not doing well financially at all during the time this collection posted to my credit report. I submitted several disputes prior, yet the debt keeps posting and I have not received any information what this debt is actually for. I desperately need this off of my credit report it is ruining my life.
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (PA)

I reached out to XXXX XXXX and asked for proof to show this account was mine, they didn't provide proof. From there a letter was sent to them asking them to please remove this account from my credit report. I explained to them the account wasn't mine and that I live in a rooming house and with the turnover in.the property I coupdnt file a police report because I didn't know I who it was. Midland has failed to provide proof of ownership.