davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXXXXXX XXXX XXXX did not have permissible purpose nor authorization to access my credit report in XX/XX/2017. I have repeatedly requested the authorization including the credit report but they deny. As proof, XXXX XXXX XXXX XXXX sent an incomplete and undated copy of an application which included an area for authorization.
Consumer complaint received 2020-07-18
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: BANK OF THE WEST (AR)

ON XX/XX/2020 WE TRIED TO BUY CAR AND WAS DENIED BECAUSE OF NOT BEING IN STATE OF OK. AND XXXX  FALED TO FURNISH SCORE AGAIN.
Consumer complaint received 2022-08-13
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. (GA)

Im sending this Complaint again to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$0.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00}
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, XXXX  and TransUnion consumer as a " charge off '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2024-04-14
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. (MI)

Transunion is reporting an alleged collection that is not correct. I have disputed this collection account with Transunion and they stated that it was verified as accurate. I would like to know how this information was validated as accurate when I am in litigation with the creditor that XXXX XXXX XXXX is allegedly collecting for and since this is an ongoing issue reporting this information without a court ruling is a violation of my federally protected consumer rights. I would like the documents used to verify this information so I may forward it to the courts to prove I have insisted that collection and creditor is incorrect.
Consumer complaint received 2020-10-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

At XX/XX/XXXX, XXXX and XX/XX/XXXX, someone use my credit card for three big XXXX ( XX/XX/XXXX ) XXXX ( XXXX ) XXXX ( XX/XX/XXXX ) Bank of America tried to solve it for me, they got me only 2 transaction back, theres one transaction still did not give it to me. Also, they closed the case couple month ago without telling me. I called few month ago, they could not give me a explanation, they only told me that I need to wait 1-3 month, today I called again, they said they will reopen the case for me. It's been 4 months ; I still have the balance on my credit card.
Consumer complaint received 2020-08-04
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. (IA)

I have inquires listed on my credit file that do not belong to me. I have sent letters to Equifax to get them deleted and they are just ignored. 

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 2017-09-22
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. (LA)

I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy
Consumer complaint received 2020-05-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (NJ)

On XX/XX/XXXX I reached out to PNC Bank to settle my delinquent HELOC and the representative from PNC Bank advised me to submit an application form with a settlement letter. PNC Bank acknowledged the receipt of the documents. The request was under review since than. 
I received a decision letter from PNC Bank dated XX/XX/07 stating that PNC Bank was unable to provide a loan payment plan but that was not my request. I called PNC Bank to go over the letter and the representative that assisted the call gave me a hard time and never gave me the proper information about my request.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX RC ( Original Creditor : XXXX XXXX BANK ) XXXX ... XXXX XXXX  XXXX ... XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2021-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Do to being part of the XXXX hack a few years ago I purchased credit monitoring through XXXX XXXX XXXX part of XXXX XXXX. During a recent refinance of vehicles Randolph Brooks Federal Credit Union ( RBFCU ), where I have been a member for over 20 years financing and paying off vehicles, homes, and other loans, obtained a credit report from XXXX. That report stated that my credit score was XXXX and resulted in the interest being raised a full percentage point over what was originally offered. I immediately went on the XXXX XXXX  website because I receive email alerts anytime there is a change to my credit score. I had not received an such email. The website stated that my credit score was XXXX and that had been the score on a chart for the last year. I then used a tool to update my credit score and it increased to XXXX. I also followed up with a phone call ( ridiculously hard to get through and the person I spoke to is XXXX, so was the supervisor I spoke to. I repeatedly asked to speak to someone in the United States and got denied. ) They did confirm that my credit score was XXXX but that there were different models use to determine scores and that I would need to talk to RBFCU about the model used. I contacted RBFCU, actually a person in XXXX XXXX working from home, they told me they were unable to answer that question, why my rate changed or what my credit score was.
Consumer complaint received 2023-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Everest Receivable Services Inc. (KY)

They was paid off in XXXX, by XXXX debt relief  and they changed the name of the debt collection to XXXX XXXX but it's still the original XXXX XXXX, that we agreed to pay. Which is paid off and they will not remove the item. I've attached copies of the payoff and all bank ledgers
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (CA)

Decreased my credit from {$2500.00} to {$100.00}. Ive never been late. Used the card responsibly. Card balance was paid in full. This has also dropped my credit score tremendously. I am current with all my credit card payments and debts. Ive recently been using my other cards to help others who are in need during this pandemic and I dont want to be punished for this. 

Ive never requested a deferment, or had a problem paying my bill.
Consumer complaint received 2020-08-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

I followed a link from the website of my bank, XXXX XXXX  XXXX, to XXXX. Of the 3 reporting companies, only 1 gave me a free credit report. XXXX required me to register on their website and pay {$.00} ; Experian 's link only had a message to " call us ''. 

Aren't XXXX XXXX Experian in violation of the law?
Consumer complaint received 2023-01-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc ()

I currently have a Paypal Account which I have used for more than a year for my online business. 

There were no problems for a long duration until today when Paypal sent a message without warning that I had violated their User Agreement Clause except I had not broken any clause and neither had they stated any reason. 

As a result my money is now stuck in my Paypal Balance which I may have otherwise used. 

Even though its a {$100.00} now which is stuck for 180 days they have blocked my way of earning which is using XXXX XXXX XXXX XXXX XXXX This has been a very horrible experience for me in all fronts.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA (CA)

In accordance with the Fair Credit Reporting Act, these creditors have violated my rights under 15 USC 1681 section 604, states I have the right to privacy ( 15 USC 1681 ( section 604 section 2 also states a consumer agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose. 
I am requesting all late payment reportings to be removed
Consumer complaint received 2021-08-18
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: ACIMA CREDIT, LLC (FL)

In XX/XX/XXXX, I reached out Acima to ask questions concerning a disturbing hit on my credit report concerning the purchase of a bed, that I had no clue in regards to this purchase! This company stated I did an over the phone settlement in which that was not true bc I have been fighting legally to remove items that where and have been removed due to proof of these items not being mine! During this time, I was not living at this residence! I moved out XX/XX/XXXX right after the delivery of my XXXX! Neither did they speak to me, my exhusband was living at this address along with his companion. On XX/XX/XXXX I received an UNSIGNED contract from ACIMA.I have vehemently asked ACIMA for a voice recording to verify my voice and a signed contract bearing my signature in which they have not provided either! I have gone to the sir named furniture company which is under New Management to ask for a secured contract and they had no clue and could not present me one!!! I have disputed this through XXXX for a consecutive 7 months and they repeatedly continue to update it after I have sent them the contract bearing no signature! In my research, according to the Fair Credit Reporting Act, if there is a significant proof of my signature this has to be removed if not given in 30 days and its been 7 months! Please I am asking for your reinforcement and assistance with removing this from my credit report! I dont have bad credit at all, I am integral concerning debt! Please assist me! I believe that XXXX is not taking the tone to research my dispute but have repeatedly ran my letters through the processor of scanning letters and has not taken the proper and integral steps according to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure requested. Every month they and ACIMA are in contempt of the 30 day required timeline to supply proof with my signature. I am trying to purchase a home and this is a derogatory and Thank you
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (LA)

I have requested numerous times to show me proof of alleged Bankruptcy on my report XXXX Chapter XXXX XXXX XXXX all the bureau keeps telling me is that the info was consumed from XXXX XXXX a XXXX party reporting agency but can not supply me with proof or a copy of bankruptcy
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my Credi report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$160.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$550.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$360.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} XXXXXXXX XXXX  Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX XXXX XXXX  : Bankruptcy Reference Number XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : 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 XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX
Consumer complaint received 2022-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HEAD MERCANTILE CO., INC. (MS)

Head Mercantile Co. also known as the SOS Group and other names, has been violating my rights over and over again regarding this fraud account for years. When I asked for validation of the debt, they sent a deceptive statement that they created. They have continued to violate my privacy.
Consumer complaint received 2020-11-16
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. (DE)

for the last year and a half i have disputed a error on my credit report and equifax is still showing it on my report after the debt was not validated i have asked several time to show proof of valdation and that has not been shown
Consumer complaint received 2020-11-16
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. (NY)

XXXX XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the XXXX, Experian and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Consumer complaint received 2022-08-13
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions has violated the FDCPA on 3 separate occasions. I am writing today to inform the CFPB of the actions Bull City Financial Solutions and provide them one last opportunity to make things right before my attorney files the lawsuit. I am doing this against my attorney 's advice, but I felt it is important for the CFPB to know about this company and their actions. I am attaching all supporting evidence for my claims for your review. Those violations are as follows. 

1. Sending a dunning notice on XX/XX/2022. The notice was sent in an envelope that had their company name in the window. It was not discreet and you could tell the letter came from a debt collector. 

2. I sent Bull City Financial Solutions a letter to formally request they no longer contact me, and my refusal to pay them, but rather pay the original creditor. They sent back a reply acknowledging the cease and desist, however the violation occurred when they also validated the debt in the same letter " for my convenience ''. 

3. Bull City Financial Solutions then reported the collection to all 3 major credit bureaus, however, they marked the debt disputed when it was not disputed. 

My attorney from XXXX XXXX XXXX sent Bull City a letter stating terms where I would not file lawsuit against them. So far we have heard nothing in reply. I have also now challenged the credit reporting with the bureaus, that is still in reinvestigation.
Consumer complaint received 2021-08-18
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. (SC)

I'VE BEEN TRYING TO GET THIS MATTER RESOLVED FOR QUITE SOMETIME WITH XXXX XXXX. MY FIRST ISSUE IS THE DELIQUENCY DATE IS INCORRECT AND THEY HAVE YET TO HAVE IT UPDATED AFTER SEVERAL ATTEMPTS. IT'S SHOWING 2017 WHEN ITS ACTUALLY INCORRECT. ALSO, I'VE REACHED OUT TO XXXX  AND XXXX  IN REGARDS TO IT BEING ON MY REPORT WITH THEM AND WAS INFORMED AFTER 7YRS IT WAS DELETED SO HOW COME IT'S STILL SHOWING ON MY EXPERIAN CREDIT REPORT AND ALREADY DELETED OFF THE OTHER TWO CREDIT BUREAUS. I NEED THIS MATTER RESOLVED AS SOON AS POSSIBLE.
Consumer complaint received 2017-09-22
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. (OK)

My wife and I have been victims of identity theft. Someone stole our SS # and filed false XXXX XXXX XXXX returns on us. 

We live in the state of Oklahoma. The law in Oklahoma indicates we can freeze, unfreeze and refreeze credit without a cost. 

I tried to go online today to freeze our credit with TransUnion but they offer no option to freeze credit with the entry of a police report number or to upload the police report. My next step was to call them in hopes I could get this accomplished rather quickly and simply by phone. 

In my discussion with a person residing in XXXX who I could not understand, they again tried to have me provide my credit card information to freeze my credit. I informed them that I had been a victim of ID theft, had a police report and the law in Oklahoma allowed me to freeze our credit without cost. They refused to freeze our credit but instead required that I mail them a copy of the police report. 

After being asked to speak with a supervisor, again who I could not understand, I was told I had to mail them the police report. 

It would appear TransUnion is attempting to make this process as difficult as possible so as to avoid the placement of a credit freeze on our accounts. I find this totally unacceptable. In today 's society it would be very simple for me to upload a copy of the police report from my computer but there is no option to do this.