davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

To whom this may concern, While conducting a credit audit on XX/XX/2020 I sent off my first round of letters to TransUnion to verify debt. I want to ensure this debt belongs to me. Unfortunately, it has been over 60 days and I have yet to receive any resolutions! I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Consumer complaint received 2020-11-24
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DHI Mortgage Company (FL)

XXXX/DHI has violated my rights under 15 USC 1692. 15 USC 1692a ( 6 ) states what a " debt collector '' is and XXXX  and DHI both fall under this statue. Amongst more violations, Pursuant to 15 USC 1692e. ( 11 ), XXXX and DHI failed to disclosed in the initial written communication with the consumer that they ( debt collectors ) were attempting to collect a debt and any information obtained will be used for that purpose.
Consumer complaint received 2023-01-12
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)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 XXXXXXXX
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Consumer complaint received 2024-03-01
Product: Credit reporting 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. (NC)

I am asking that all listed accounts and inquiries be noted as not mine and listed in error on my credit reports. Inquiries : addresses that are not mine XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone Numbers that are not mine : ( XXXX ) XXXX, ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX Remove Employers info : XXXX Date Verified XX/XX/year> Remove Account Review Inquiries Remove Inquiry Analysis
Consumer complaint received 2019-11-05
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

THERE ARE TWO SPECIFIC ACCOUNTS UNDER XXXX XXXX XXXX THAT IS REALLY OBSTRUCTING MY LIFE WHEN IT COMES TO WANTING TO PURSUE CERTAIN GOALS THAT I NEED TO ACHIEVE IN MY LIFE. THIS ACCOUNT WAS OPENED ON XXXX OF XXXX AND BOTH ACCOUNTS DISPLAY THE FOLLOWING BALANCES : {$4200.00} AND {$3300.00}. THESE ACCOUNTS ARE REFLECTING 90- DAY LATE PAYMENTS. I HAVE BEEN ATTEMPTING TO GET THESE NEGATIVE ACCOUNTS REMOVED FOR GOOD FROM MY CREDIT REPORTS SINCE XXXX OF XXXX AND NOTHING HAS BEEN DONE ABOUT THIS MATTER. YOU HAVE NO IDEA HOW BALDY THIS IS AFFECTING ME WHEN IT COMES TO CHOICES I NEED TO MAKE. NEITHER XXXX, EXPERIAN NOR XXXX HAS DONE ANYTHING ABOUT THIS AND I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. I DEMAND TO KNOW WHAT IT THE MEANING OF ALL OF THIS. THESE ARE REALLY AGED ACCOUNTS AND I HAVE REALLY DONE MY BEST AND WENT OUT OF MY WAY TO GET THIS ALL FIXED.
Consumer complaint received 2017-10-31
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (PA)

Repeated phone calls from Diversified Consultants, two or more times a day from a local phone number to mask their identity. XXXX called at XXXX XXXX today. Yesterday they attempted to call from XXXX. They do not leave a message and call every day two times or more. I have expressed to this company to not contact me any longer and I will continue to document the repeated calls after I expressed this to the company. I have no debts owed to this company.
Consumer complaint received 2016-01-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

My Name : XXXX XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX, New York XXXX Phone : ( XXXX ) XXXX Social Security Number : XXXX Toyota Motor Corporation Credit Company Account Number XXXX The late payment reported by Toyota Motor Credit Corporation on my credit reports are from 7 years ago in the year 2009. 

According to the Fair Credit Reporting Act ( FCRA ) U.S. Code Title 15 Chapter 41 Subchapter III 1681c ( Requirements relating to information contained in consumer reports ) this item must be removed from my credit report. 

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 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 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 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 U.S. Code XXXX ( c ) RUNNING OF REPORTING PERIOD ( XXXX ) IN GENERAL The 7-year period referred to in paragraphs ( XXXX ) and ( XXXX ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
XXXX I am requesting this item be removed to correct the information on my credit report.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Called Transunion 's automated credit freeze hotline ( the one published on both the FTC 's and Transunion 's site ) and followed menu instructions. Confirmed that the number dialed was correct. After entering requested information, the automated menu informed me that I needed to be connected with an agent. Instead of transferring me to an agent, it transferred me to an unrelated and XXXX explicit chat line. I hung up before determining much of what it was about, but it was definitely not a Transunion agent. 

I contacted Transunion and the representative at the call center was n't able to process a complaint or initiate an investigation and was unwilling or unable to escalate it. 

I am concerned that Transunion 's automated credit freeze hotline has been compromised by a third party and that the information I entered may have been stolen. At the very least, the hotline is not working properly and represents a problem for consumers.
Consumer complaint received 2024-03-01
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. (NC)

Below accounts are closed, discharged/charged-off, this is considered " Certificate of Indebtness '', that is income, so, income is not reportable, must be removed, per IRS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am writing to express my dissatisfaction with the inaccurate reporting of the following accounts on my credit report. I expect prompt action to hold the banks accountable for their commitment to remove these accounts after a thorough review. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Hi i am a victim of identity theft back 2 to 3 years ago, upon checking my credit i see these theft un authorized cc, i need these removes from XXXX and XXXX pleaseeeeeeeeeee .... 

ARS account resolution for {$47.00} XXXX XXXX {$860.00} ARS account resolution {$1800.00}
Consumer complaint received 2021-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MS)

I was in the first stage of the mortgage process and they pulled my credit report. I never received calls or letters about this report and they put it on my credit report. I called to verify this debt and they said I owe money from which they bought a debt from another company. After finally having my lawyer call, they sent me some in the mail that does not validate my debt nor has my signature on anything. Only the credit card statement they received from the original credit they bought the debt from. They said I need to pay or they will sue. They continuously report negative information on my credit report everyday. Im like how do I fix this if they cant verify my debt.
Consumer complaint received 2020-11-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Scammers scammed money for job offerings and house purchases. 
One transaction is a check deposit, from XXXX XXXX to the Bank of America. 
Date : XXXX XXXX, XX/XX/XXXX. {$3000.00}. Check # XXXX XXXX XXXX Deposit into Bank of America XXXX XXXX XXXX XXXX ACC No : XXXX XXXX XXXX XXXX Routing No : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX
Consumer complaint received 2019-08-09
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. (FL)

This XXXX XXXX credit card account as a authorized user was removed from my credit report. But the hard inquiry from XXXX XXXX XXXX XXXX XXXX was not removed. The credit company stated that the authorized user did a dispute in reference to this account and the tradeline/ account was removed due to that. Even though this was a mistake done by the credit bureau. I have accepted their response from the prior dispute. But am requesting for the ( hard inquiry ) on my Equifax credit report, to be removed as well. Just as the account was removed by XXXX XXXX credit card services as well. Its only fair since the account was removed. The hard inquiry needs to be removed as well or send a request to each credit bureaus as before for the tradeline of this account, to be reported back as the authorized user.
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CA)

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) XXXX 2. ) XXXX XXXX of XXXX XXXX 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Synovus Bank (NE)

Synovus Bank who gives secured cards for first progress is misrepresenting a credit card and the information is misleading. my account had a balance and without going over my card limit it would not let me make additional purchases. after looking into the law about the secured card and how it is unlawful to make a down payment on a finance charge. I am furious because this has ruined my reputation and now I am without because of their misleading tactics and not being able to talk to someone about this.
Consumer complaint received 2021-04-01
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. (PA)

The company reporting a collection on my credit report has not responded to any of my request to show proof that this debt is mine. This unverified account is affecting my ability to obtain credit.
Consumer complaint received 2017-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: WELLS FARGO & COMPANY (CO)

I am XXXX XXXX in the XXXX program. My loans through Wells Fargo are for my XXXX which should be deferred until I graduate in XX/XX/XXXX. Wells Fargo states that i withdrew from the XXXX program in XXXX of XXXX ( which never happened ) they now inform me that my loans are due XX/XX/XXXX, I have made numerous calls to Wells Fargo in regards to my XXXX XXXX status. They requested that I fax my current and previous class schedule which I did, now they want other forms filled out by myself and the school because they do n't know why I was told to send my class schedule. In addition my student loans online state they are in grace with XXXX due, if I have a payment due on XX/XX/XXXX and it 's currently XX/XX/XXXX should n't a payment amount be there?
Consumer complaint received 2020-05-26
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched CREDIT CARD FRAUD CLAIM LETTER dated XX/XX/XXXX. UNAUTHORIZED TRANSACTIONS {$470.00}. ( USAA HAS HELD ME LIABLE FOR THIS FRAUD ) see attatched CFPB response XX/XX/XXXX XXXX XXXX determined you reported total fraud {$810.00}. WRONG AGAIN see attatched CREDIT CARD FRAUD CLAIM LETTER {$470.00} ** IS THE TOTAL FRAUD I REPORTED XXXX XXXX with MERCHANTS CREDITS OF {$340.00}. Only {$470.00} REPORTED?? SO WHY DID USAA HOLD ME LIABLE FOR THIS {$470.00}. see attatched XX/XX/XXXX statement for review CONFIRMS ONLY {$470.00} COULD HAVE BEEN REPORTED FRAUD. XXXX XXXX {$120.00} & XXXX {$210.00} MERCHANTS CREDITED. AGAIN WHY WAS I HELD LIABLE FOR THIS FRAUD OF XX/XX/XXXX {$470.00}???
Consumer complaint received 2021-07-02
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

I called the company explaining that I was not able to pay the balance of my loan by the maturity date due to financial hardship related to the pandemic. At first, they said my only option was to refinance. I called HUD for advice and was told they had recently worked with the company to do a modification. I called the company and provided this information, and was then told yes, that a modification was an option. I started the process on XX/XX/XXXX. Today is XX/XX/2021, and still don't know the status of the modification. I have had two scheduled appointments with a relationship manager for an update. Both times, I was told that information was missing on the application. My relationship manager should have thoroughly reviewed my file before the first appointment and made me aware at that time of all missing documents/ information. In addition, you can't reach the relationship manager assigned to you. I spoke with an escalation manager regarding my concerns, she did not address my concerns. I am fearful that I will not have a definitive answer by the time the maturity date rolls around. I feel like they are intentionally stalling so that I can lose my property.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX Report and I noticed some Inaccurate Collections information being reported to my consumer report without my CONSENT. In accordance with the Fair Credit Reporting Act, Everything MUST be 100 % accurate on my credit report. The credit bureau stated my account was properly investigated but how is this possible if the open dates are inaccurate, the last day activity is inaccurate and the last day reported is also inaccurate. THIS IS MULTIPLE VIOLATIONS OF MY CONSUMER RIGHTS AND GROUNDS FOR DELETION. 

XXXX XXXX XXXX ( XXXX ) reporting information with actual knowledge of errors. 
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 the information is inaccurate. 
XXXX XXXX XXXX XXXX B-Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the information is, in fact, inaccurate. 


Under XXXX XXXX XXXX Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) ay consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I HAVE NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2021-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (MD)

On XXXX I made a reservation through XXXX with a payment of XXXX. I selected my reservation dates of XXXX through XXXX. When I received confirmation, days were taken off of my reservation. I tried contacting the host and the response I received was " the days I want are not available ''. When I made the reservation online the dates were available and selected. On XXXX I opened a dispute/chargeback with my card company. On XXXX I received an email from XXXX stating THEY cancelled my reservation and would provide a full refund due to the reservation not being legitimate. XXXX disputed the chargeback from my card company and won the dispute. I have contacted XXXX countless times about this refund I was promised and they are now declining to work with me about this issue. I have documentation stating they cancelled my reservation and have promised a refund on numerous occasions. I have sent all documentation to XXXX they wanted to try and solve this but they are not responding to me now and I get disconnected when I call them. I opened a claim with XXXX  and it is now closed because XXXX will not contact me to try and resolve this. My bank/card company is not helping me with this matter either. They keep telling me they are not receiving the information they've requested. I have sent them all documents via mail and email on multiple occasions. When I call them about this issue they claim there is no one I can speak with to resolve this issue. My card is through Wisely pay card services.