davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX, I XXXX XXXX XXXX contacted XXXX XXXX at XXXX and paid the past due amount on my account # XXXX, in the amount of {$1600.00}. I paid in two installments, {$1500.00} ( confirmation # XXXX ) and {$130.00} ( confirmation # XXXX ) and was told by XXXX, that my credit reports would be updated with PAID. 
On XX/XX/XXXX, XXXX and XXXX, XXXX, I reviewed my credit report and also I contacted XXXX and spoke with XXXX # XXXX at XXXX and was told the account is with XXXX XXXX ; I tried to explain to the representative, but with the language barrier, but got nowhere. I asked to speak with a Supervisor and was told she could not transfer me, because none of the Supervisors are available. I explain to the representative, that I was trying to buy a home and needed a letter from XXXX showing the account is Paid in Full. She put me on hold and came back and told me that XXXX is not showing the account and that I needed to contact XXXX XXXX, I tried to explain that I had spoken to XXXX XXXX and they said they told me that the account had been Returned to XXXX back in XXXX and that I paid XXXX. She said she couldnt help me!!! 
On XX/XX/XXXX, I checked my credit reports and all three ( 3 ) are showing Charge Off and a balance due in the amount of {$1600.00}. I have been on the phone with XXXX numerous times and not able to get them to understand that the information they are showing in not correct and should be updated to reflect the correct information. I did a dispute with all three credit bureau and the information updated as of XX/XX/XXXX is showing Charged off!!! 
I have attached screen shots of two payments made to XXXX as proof the fulfilling my obligations, I want XXXX to update my credit reports to show Paid in Full. Also a copy of the XXXX  credit reports as of XX/XX/XXXX. 

Kind regards, XXXX XXXX XXXX
Consumer complaint received 2019-10-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See XXXX Also according to Hjr 192 On XX/XX/XXXX the US Congress passed the Emergency Banking Act. On XX/XX/XXXX XXXX XXXX announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Im writing in regards to an Auto Loan with XXXX  XXXX XXXX. I obtained this loan on XX/XX/2020 through a dealership in XXXX, MD. My payments began on XX/XX/2020, which I made successfully and since that time I have made on time payments through XXXX XXXX XXXX XXXX Bill Pay. I pay 90 % of my bills through Bill Pay and I have never had a problem with any of my payments being rejected, denied, or returned until now. 

XXXX  XXXX XXXX has placed a 60 day past due notice on all three of the Credit Bureaus. I have not received not one letter or statement indicating my payments were late. I have not received not one phone call. I have not received not one email nothing which is crazy if I was so late. Every time I submit a payment, they would send me a check for the amount paid with no explanation just an empty envelope with the check in it. I havent cashed them either so I dont know what is going on. Who refuses payment when someone is diligently trying to pay? In fact, I pay twice a month. I went to the branch in XXXX, MD on XX/XX/2020, and they couldnt tell me anything. The representative just gave me a number to call. Unbelievable right, so I got in my car and called only to speak with a lady that didnt know what she was doing and indicated that this call was being recorded and this was an attempt to collect a debt, I told her great now what is my pay off balance. She gave me that information and was trying to transfer me to someone and I just hung up. 

I only found out that the account was past due through checking my credit report a couple a days ago which is outrageous. I think XXXX XXXX   XXXX is being spiteful/prejudice and have no grounds for putting a 60 day past due on my credit account. I am extremely angry that XXXX XXXX XXXX is ruining my credit and I want XXXX XXXX XXXX to correct my file immediately. I will NEVER deal with XXXX  XXXX XXXX again. They are very unorganized, confused, spiteful, and underhanded bank. Please do whats right and correct my account.
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

ACCOUNT REPORTING TO MY CREDIT REPORT DOESNT BELONG TO ME FOR VERY LOANG TIME I WAS GETTING DENIED FOR CREDIT WAS NOT SURE WHAT WAS GOING ON UNTIL RECENTLY I REVIEW MY REPORT TO FIND NUMBERS OF UNKNOWN DEBT I HAD NO KNOWLEDGE OF AND I AM WORKING TO FIX IT ALL
Consumer complaint received 2019-10-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. See XXXX Also according to Hjr 192 On XX/XX/XXXX the US Congress passed the Emergency Banking Act. On XX/XX/XXXX XXXX XXXX announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938, 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also,  according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2020-09-08
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. (NY)

On XX/XX/2020 I received hard inquiry alerts from XXXX, TransUnion and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (TX)

I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim of identity theft.
Consumer complaint received 2019-11-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Advance America, Cash Advance Centers, Inc. (TX)

I spoke with the manager of the location. I verified that it is me. I told her to only call my cell phone if needed. I explained that I have been ill. I made arrangements to pay. The next day, another woman called my place of employment and one of my relatives before calling me. Then she called me and  began to tell me that my loan was past due like I never spoke to her boss. I advised her that I had already made arrangements at which time she openly admitted she had not read the notes before she started her calling routine. A few minutes later my family member called me too, to tell me about the hed received. I called her back to ask why she had called at all and on top of that - called other people and my job when Im at home recovering and had explained that to her boss on the previous interaction. She said all she could do was apologize and have her boss call me back. I spoke with her boss and explained that I am still recovering and what they had done was causing me to tremble and be embarrassed. She agreed to take a lesser payment to compensate. I agreed to pay by XXXX. She told me Id get a reminder call on XX/XX/31 or XXXX. Today, XXXX, a woman named XXXX called me. Unfortunately, a family member died in my household yesterday and I told her this was not a good day. She continued to push to get me to commit to come in on Monday, after asking me to come today anyway. I told her about the death and she didnt even express condolences or care at all but continued with her business pressing me to commit to Monday and give her a time I would be in. I was so shaken, I forgot I am on bereavement on Monday. Im about to call them back to ask for XXXX, the manager, to call me back. I can not believe they are allowed to tell my family member the name of their business which clearly says what they do with being asked. They also proactively asked my family to deliver a message to me. I am aware they cant do that. Further, they called a day later than promised and when I told them Im in no condition to talk right now - she continued to press me. I wasnt going to file a complaint at first but now that this lady has called and ignored my valid request to grieve today, Id like a regulator to look into their collection practices and have them prove to you that they have appropriate training in place to avoid abuses like this and make reparations for their intent to embarrass me and treat me with no respect.
Consumer complaint received 2019-11-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates, LLC XXXX. XXXX XXXX XXXX VA XXXX This above company calls me day and night about a bill they claim I owe. This is their suppose to be account that they claim they have on me. # XXXX Reference number : XXXX I emailed and told them they have the wrong person. 
The Person name they sent in the letter is : XXXX XXXX XXXX at my address. 
Never heard of the person, don't know who she is. 
They states it's a XXXX XXXX XXXX XXXX debt. 
They states on the letter that it has a zero balance, yet they still keep calling me and not the person on the letter. I emailed them letting them know they have the wrong person. Yet they still call morning and evening.
Consumer complaint received 2019-11-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Duvera Billing Services, LLC (NE)

I took out a loan with XX/XX/XXXX. They are not letting me pay within the interest free period of 90 days. First they said my card was returned. I dont have a card on file. I told them to take directly out of my account they have my routing and account number. They said they would take the payment out of bank account I have it in writing and they still have not taken the payment. I believe this is a stall tactic so I miss the payoff date and am forced to pay interest. They also told me a bank transfer takes 10days to process? Hello its 2019. These people must be stopped and reported 58 % finance charges??? Please help! XXXX XXXX
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (CA)

I've disputed these student loans for months. These are not my accounts an effecting my credit worthiness. XXXX has been the only Bureaus who's removed most of them. Please assist me in getting this resolved. I was referred to this site as the last resort to bot getting thing fixed.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/XXXX I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. 

As I mentioned in my XX/XX/XXXX complaint. TransUnion has been and continues to report a XXXX chapter XXXX bankruptcy that is not mine. I have told them on multiple occasions, this was a chapter XXXX filed by my ex wife. 

I submitted letters from the Superior Court ofXX/XX/XXXX Bankruptcy division, signed by Judge XXXX that clearly stated this is not accurate, and that I did not file for chapter XXXX. TransUnion has made the fatal mistake of ignoring that judges order. 

I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. 

TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves. 

I am now hiring an attorney to file a class action lawsuit against them for defamation of character. I am asking CFPB to also encourage TransUnion to comply with the law. 

I have made dozens of phone calls to them and they continue to ignore my requests. In addition to that I spoke to a gentleman who identified himself as a US supervisor, after he chose to ignore my request as well. He said he was going to email his manager to call me asap. I have never received that call.
Consumer complaint received 2017-08-11
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP (IN)

trying to refinance with XXXX XXXX XXXX -- XXXX -- after turning in all required paperwork and paying XXXX dollars for an appraisal on XX/XX/XXXX the company quit corresponding and was not returning my emails -- they did email a form to sign that I received my appraisal within 3 days and I did not sign it, nor did I receive my appraisal -- I have emailed XXXX different people and left messages for 2 different people -- just getting the run around -- I 'm not interested in working with this group at this point but I do want my appraisal, or my XXXX dollars back
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.
Consumer complaint received 2018-09-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Good Morning, On XX/XX/XXXX I was trying to login to my bank of American acct, I couldn't log in so I left to the gym and I didn't put attention next morning I got a notification the I was low on my acct so I try to log in I couldn't I have to reset my password so I change my password and that's when I found out the some one make a transfer for XXXX I make police report. A week later they call me saying they were able to give me the credit back because they were saying i was the one who make the transaction and i told them i don't know this person i don't know the email address or phone number and until now we are in XXXX they don't want to do anything because they need proof i don't have any proof i send out proof from XXXX the we got a notification saying the they stole customer information. i don't have anything else to proof the it wasn't me, they know where the money when they have the other person information but they still think it was me who make the transfer. last thing i want to mention i didn't get a notification when the person make the transfer and they saying they did send me something and when i change the email address i did receive a notice, thank you and i hope you guys can help me