davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-05
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions
Consumer complaint received 2020-10-18
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: Experian Information Solutions Inc. (CA)

On XXXX of 2018, I informed the finance company ; XXXX XXXX that I was refinancing my home and that they would pay off the remaining balance of the vehicle. In XXXX, XXXX finally responded and sent me the wrong payoff balance for the XXXX XXXX. The title company tried repeatedly to get the correct balance to no avail. Finally, I XXXX, the title company sent me a hard paper check in the wrong payoff amount to which i sent to XXXX XXXX, since the amount was wrong, I still owed a small balance and I paid that off in XXXX. In the meantime, XXXX marked me late 30 days for the month of XXXX, reported the late to the credit bureaus, then marked the account paid in full in XXXX!
Consumer complaint received 2020-04-29
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. (NY)

I contacted XXXX XXXX to obtain a mortgage refinance loan on XX/XX/XXXX. I signed an authorization for them to check my credit for that purpose. Based on my credit, the bank offered me a very low interest rate in its initial Loan Estimate. However, after processing my loan they came out with an interest rate that was 2 percentage points higher than the initial rate they had offered me. I declined the loan at that point and told them I was not interested in continuing the refinance. However, the bank went ahead to check my credit two more times without further permission from me. I even complained to them after the second check and ask them not to check my credit again since I was not going to continue with them but they still did a third check on my credit. The additional inquiries greatly affected my credit score such that my credit fell precipitously. This is preventing me from getting approved for credit I would otherwise have been approved for. 

I have contacted XXXX  and XXXX  to dispute the additional inquiries of XX/XX/XXXX and XX/XX/XXXX but they referred me to XXXX XXXX. The Bank is not responding to me. 

I need XXXX XXXX to request removal of the additional inquiries from my credit file.
Consumer complaint received 2023-02-07
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. (VA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.
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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

For the past 4 years I been writing letters to all three credit Bureau regarding updating incorrect information my name addresses work place all and they just keep stating its been update this information should be deleted and corrected
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. (OH)

I am submitting this in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel some errors are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. At this time, I solely seek the correct remedy to my personal credit report and dispute the remaining information to fix it. Please reinvestigate these accounts. Please check the inconsistency reporting of the Account number, Date Opened, Last Reported, Date of Last Active, and date of Last Payment. You must report this account accurately. Correct this matter ASAP : XXXX : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} TRANSUNION XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
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. (MD)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2018-02-22
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IN)

I HAVE SENT SEVERAL CERTIFIED LETTERS ( VERIFICATION LETTERS ) TO BOTH THE CREDIT BUREAUS AS WELL AS COLLECTION AGENCY COMPANY Ive received a copy of my credit report and they are still claiming I have an account with them or I owe them something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with because they are a 3rd party collector, they have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. they didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports THE COLLECTION COMPANY STILL USING XXXX ACCT NUMBER AS CURRENT BUT ITS CLOSED XXXX AS WELL AS USING THERE ACCT # XXXX IN WHICH I HAVE NO CONTRACT WITH
Consumer complaint received 2020-06-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Midwest Fidelity Services, LLC (AL)

I received messages on my cell phone from the number XXXX. They also left messages at my job and people from my home town. This took place on XX/XX/2020. The message is difficult to understand. I looked up the number and found out it was Midwest Fidelity. I do not know this company and do not have any business with them. I have not authorized them to contact anyone. I want them to stop contacting me, my job, and anyone else concerning me.
Consumer complaint received 2020-07-15
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: Nelnet, Inc. (OH)

I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by Great Lakes Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from Great Lakes to FirstMark Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. FirstMark had different privacy policies than Great Lakes that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XX/XX/XXXX/XX/XX/XXXX, FirstMark reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to FirstMark for the same amount as had been for the past 10.5 years. FirstMark / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, FirstMark and I were able to determine that FirstMark had different privacy settings than Great Lakes and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than Great Lakes had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with FirstMark they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. FirstMark moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request FirstMark to do that action. When I followed up with FirstMark to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If FirstMark had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with FirstMark and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.
Consumer complaint received 2020-06-30
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. (IL)

XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX I XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX/XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX To whom It may concern I have spoken with all 3 credit bureaus customer service and they would not help and take care of the negative inquiries that are reported on my credit report. I will like to have them removed immediately I have been a victim Of identity theft for years and now I have hard inquiries that are on my credit account that were not put there by myself can you please take care Of this issue please and thank you.
Consumer complaint received 2020-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: AMERICAN EXPRESS COMPANY (CA)

As previously complained of in CFPB complaint # XXXX closed XX/XX/XXXX, as well as CFPB complaint # XXXX, closed XX/XX/XXXX- American Express BlueBird XXXX has again closed my account this day XX/XX/XXXX, allegedly under BMA section 22D again. This pattern of BlueBird arbitrary closing my account has not been explained except for the phrase : " feedback has been provided to the appropriate parties regarding this matter '', but yet this behavior continues to happen about every thirty 30 days. Being a service-connected XXXX & otherwise homeless U.S. Veteran, I must have confidence in the ability to access the little funds I do have. If I am violating the BMA, I should be told with specification on how and when this occurs. If BlueBird simply does not want me to have an account, they should tell me so that I can make other arrangements for prepaid services ; rather than leaving the impression... " the appropriate parties '' have been provided feedback regarding this " re-peated matter ''. In view of my pervious CFPB complaints, it seems that I am being personally targetted with this " account-closing harassment, '' for unspecified reasons.
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. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information that is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. items XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX {$37.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-07-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP (WI)

I noticed money was taken out of my bank account for associated Bank in XXXX Wisconsin. I reported it they did not stop my card within XXXX XXXX business days I went to see why I have not received my new card they told me I had not stopped it I checked my account again and more money was taken out. They investigated it and told me that I was the one that took it out and I didn't take it out I know the culprits I reported to the police the police have done nothing matter of fact I told him XXXX separate times of what happened and I have not got my money 's returned.
Consumer complaint received 2020-04-29
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Capital Link Management, LLC (UT)

I was contacted at XXXX to theXX/XX/2020, I did not answer because I get a lot of spam calls, in the voicemail a Mr. XXXX XXXX from Capital Link Management company, a third party debt collector. First off I feel that the information he included in the voicemail was inappropriate, my first and last name, city , county, state, full birth date, and last 4 of my ssn. My first point is until today they didn't have confirmation that the phone number they called me on was mine or that I was the only one with access to it, secondly if I had changed my number than another individual would have enough information to steal my identity. when I called him back he informed me that I was being sued by their client XXXX XXXX XXXX and that a judgement in mediation had already been made on my case. I owed {$410.00} but could settle today for {$280.00}. He was supposed to email me for an electronic signature, which I have yet to receive, also the agreed amount of {$280.00} could only be paid in full, there wasn't any mention of a service fee on the payment, which came out to {$14.00}. The account number for this is XXXX and the confirmation number for the settlement is XXXX. 
In the end I feel that they have abused both my personal information and proper tactics on debt collection practices. 
Thank you XXXX XXXX
Consumer complaint received 2020-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The letter said, " This account is past the statute of limitations for the state of Florida. Delete this account immediately. If this account is not deleted please sent me foreclosure documents to include a copy of all documents that was used as the method of verification for this account. Please send the documents that include all original signatures, send my complete payment history, send my balance history, send any insurance accounts, send my interest rate disclosures, and send my payoff disclosures. This account is past the statute of limitations for the state of Florida. Delete this account immediately ''. 

I also wrote a letter on XXXX XX/XX/XXXX to XXXX  XXXX XXXX, XXXX   XXXX XXXX, XXXX, and the Experian Dispute Department. The letter said, Date last active with XXXX  shows XXXX XX/XX/XXXX, and Experian shows date last active as XXXX XX/XX/XXXX. XXXX  shows XXXX late for XX/XX/XXXX, and Experian shows this paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Update this account to paid on time for XX/XX/XXXX through XX/XX/XXXX.
Consumer complaint received 2020-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A. (GA)

This Macys account has been reporting for well over 7 years and still reporting to the credit bureaus. By law under the FCRA this account should not be listed on my credit report after 7 years. Please have it removed. Thank you
Consumer complaint received 2020-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have not been late on this account and I have requested PHYSICAL PROOF of late payments since XX/XX/2020 of this year and have never received such information, please correct payment history. 

Please provide all the people involved in this investigation as well with notarized documents.
Consumer complaint received 2022-09-12
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. (PA)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX : {$0.00}
Consumer complaint received 2021-02-27
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Modern Adjustment Bureau (CA)

Modern Adjustment Bureau. The bill in question was inflated by the doctor before collection company got it. Original amount of medical debt was highly inflated and no backup of was provided from collections company. Original letter states my credit will be ruined because of this debt. I offered to pay what I thought was the correct amount in XXXX 2020, they refused. I made a second attempt in writing in XXXX 2020, and specifically asked for any backup where the interest rate they were charging, was ever agreed to by me. They have been charging me in excess of 100 % interest rate on this bill. My calls to the company were never answered and never returned, so I have not been able to have a conversation with anyone about the situation. 
Modern Adjustment Bureau originally billed {$300.00} plus {$33.00} interest. Then they inflated the bill to {$410.00} in XXXX of 2020, XXXX last statement I received XXXX, and said they would settle for {$400.00}. The amount on my credit report is well over that and it goes up every month. 
I should not have to pay a mark up of 100 % on a medical bill that was disputed. This is ridiculous. Im not denying I owe a debt. Just that the amount they want is not right. 
My credit HAS been affected. I am trying to get it clear and this is creating a negative impression for me. Please help me, I am at my wits end with this company.
Consumer complaint received 2018-02-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (AL)

I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.