davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed that this unauthorized inquiry had been made : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

Thank you for your help and assistance.
Consumer complaint received 2017-12-13
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. (LA)

For the last four months I have sent dispute letters, validation letters to creditors for items tha are being reported on XXXX and TranUnion for unauthorized inquiries on my Credit Reports. Today which is XXXX I called XXXX and TransUnion only to be talked to rude as XXXX by the representatives. All of my information was involved in the breach and the inquiries that are on my credit reports are unauthorized from fraudulent activity. XXXX removed two but then the rep proceeds to tell me that she ca n't remove the other two because I have to contact the creditors. Well if this was the case or even true then why did she remove the two she removed? No inquiry that is on my TransUnion Credit Report is authorized by me. The rudeness I encountered today was beyond words. I called XXXX and the rep was so rude she would n't even let me get a word in. She then tells me that XXXX is not authorized to remove inquiries, I sat right next to my husband as he talked with reps from XXXX and TransUnion that removed his inquiries without any hesitation. He gave the reps the exact same reason I gave them to have his inquiries removed. The inquiries are preventing me from establishing my credit and stopping me from moving forward in my business. I just want the unauthorized inquiries removed.
Consumer complaint received 2020-12-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I filed a complaint against Experian Credit Report, because XXXX XXXX and thier lied changing information on my report, dates etc. 
I was deny deletion on XXXX XXXX, and XXXX XXXX change to hire story again! Now Experian is not deleting them off my report after I XXXX XXXX went from closed account to a collection account, to prevent removal. 
I was told and a note of removal was ony report of XX/XX/2020. 
I have proof of this and will enclosed copy. XXXX XXXX can not keep changing status ony credit report! It is illegal to do what there doing..
Consumer complaint received 2020-11-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (FL)

I received notification from XXXX XXXX that a new collection was placed on my credit report out of the blue so I checked it and found out that without any notice or dunning letters, Amerifinancial Solutions placed a debt collection on my credit report for {$460.00}. I had no knowledge of this debt and again, never received any notifications so that I could try and dispute this debt.
Consumer complaint received 2020-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: First Reliance Holdings LLC (TX)

First Reliance called my mother-in-laws house and left a message saying to reference docket number XXXX in regards to a debt that I owed. The message went on to say that this was being " filed '' in court and they haven't been able to find me at my place of business so I needed to call. I know this is a scam because I have no written proof from this company that it is indeed a true debt. I call and ask for the address of the company. The man immediately got hostile and raised his voice at me asking me why I needed the address. I then went on to tell him that I was reporting him to the cfpb for false debt collection practices. He started screaming at me and then hung up on me.
Consumer complaint received 2020-12-01
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. (GA)

I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX, VA. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to XXXX, Equifax and XXXX  on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.
Consumer complaint received 2021-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I have filed three previous complaints to get my First National Bankof Omaha Credit card account reopened. Again, I was never told I could not reopen my account after bringing it current, which it has been for some months.

I encountered this same scenario with another credit card company and they did the right thing and reopened my account once I brought it current.

I was given the option to reapply for a credit card but was turned down for economic reasons caused by the pandemic. That leaves my no alternative.

Because FNBO has offered no viable resolution re the righteous use of my credit, this causes by unfair duress, I can no longer continue to make payment.

I will fight any arttempt to charge off this account and will fight this with all means possible.

It is up to FNBO to find some reasonable solution.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SIMMONS FIRST NATIONAL CORPORATION (AR)

Attempted to open a bank account with Simmons and was told I wasnt able to and they were not able to tell me why because they didn't know that information and to get in contact with XXXX XXXX and see what I need to do.
Consumer complaint received 2020-12-01
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. (TX)

I have contacted the Transunion and XXXX  credit bureaus multiple times regarding public records of bankruptcy on my credit reports. I have disputed these items multiple times with the bureaus and each time it comes back verified through XXXX XXXX and Bankruptcy courts. I contact the Bankruptcy courts which they have responded that they do not report to the credit bureaus, therefore, the item is either a lie or an error. Either way, the reporting requirements do not comply with FRCA- 611 ( 15 U.S.C- 1681I ) and the information must be deleted. 
I also contact XXXX XXXX for a copy of verification of the public records as well. I received a letter from XXXX XXXX stating they do not have a bankruptcy file or record. Based on this, the method of verification is fraudulent and the items must be deleted from my credit reports. 
I have attached the letters from the XXXX XXXX and the Bankruptcy courts as proof of what I am stating. 

XXXX BK ID # XXXX BK ID # - XXXX BK ID # - XXXX Transunion- BK Docket ID # XXXX BK Docket ID # - XXXX
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc. (MD)

Since XXXX there is a multiple collection agencies who are ruining my credit report for an unknown company this has to stop! I need help to stop reporting each year false information and I think it comes from XXXX where I filed a complaint with the FTC but never have any answer. XXXX stole XXXX XXXX from me in XXXX and I cancel the contract after paying thousands they owe me more than {$5000.00} since XX/XX/XXXX and the FTC never did anything. If this is them it is illegal to claim money when it is false and it is the reverse! I thought it will stop to report false I formation as I called them but no. They continue to use ( I believe its XXXX XXXX new collection agency to ruin people credit report and its unfair. What can I do? After 5 years of battle to stop them?
Consumer complaint received 2020-09-01
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

On XX/XX/2020 and XX/XX/2020 I sent letters to Experian to provide physical verification for accounts that are being reported on my credit report, and for those items to be deleted. After 30 days there was nothing sent to me to and items still show on my report. As of today XX/XX/2020 have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXX/XX/XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-04-26
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. (TX)

In accordance with the Fair Credit Reporting Act US DEPT ED # XXXX and # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2021-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bridgecrest Acceptance Corporation (PA)

I the federally protected consumer entered a consumer credit transaction with Bridgecrest in regards to my vehicle being used for personal and household use. As Bridgcrest is the EXTENTION of my credit extended back to me ORIGINAL CREDITOR. They provided me with a copy view contract, not even the original contract. I got the contract and went through it and came to an understanding that Bridgecrest violated me in multiple ways. I was never provided with the disclosure of my right to rescind the consumer credit transaction. Outside the finance charge, which is the sum of all charges there should not be any other charges and my insurance premium should of been included and it wasn't. Bridgecrest is not suppose to use any symbols in the contents used by the mail indicating they are in the debt collection business. Bridgecrest can not advise a consumer they owe a debt. Bridgecrest is consistently using XXXX name throughout the contract and I don't have a contract with them, I reached out them previously before reaching out to Bridgecrest. Bridgecrest is creating unlawful forms to create false belief in a natural person owing an alleged debt when it was a consumer credit transaction. The alleged debt shows in a positive balance. Bridgecrest is using XXXX location information when I don't have a contract with XXXX. Bridgecrest received consideration at the start of the consumer credit transaction using my social security card. Bridgecrest is using obscene language advising of repossession and and taking back my vehicle which there is no way Bridgecrest the company or any uninterested 3rd party can steal from a consumer. Bridgecrest used profane and threatening language by advising me the consumer to pay for a lawsuit for a fraud contract. Bridgecrest is using XXXX name as if they are collecting the debt when I don't have a contract with XXXX. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to Truth and Lending Act.
Consumer complaint received 2020-12-01
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-10-19
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SunnyHill Financial, Inc. (OH)

Contacted Sunny Hill Financial ( mortgage broker ) and XXXX XXXX and XXXX for quotes on a 15 year ( cash out ) refi. Both came back with differing quotes/ fees and would require a new appraisal- which was fine. Ultimately decided to move forward with Sunny Hill Financial, given they had lower fees and a slightly better rate. After locking ( 30 days ) the rate ( 1.875 % / 15 year ) and agreeing to the various fees, I was told that they were " unable to find an appraiser in the area ''. When I pushed back, stating that I wanted an appraisal done, they informed me that I live in a " rural area '' and could not find an appraiser to do it. The only option was to pay an additional ~ {$800.00} to close with no appraisal. They somehow received this " appraisal waiver '' through XXXX XXXX but was not disclosed early on in the process that this was an option. I pushed back and really wanted an appraisal done, both for the benefit of the report and the ~ {$800.00} less closing fees. I was informed if we went the " appraisal route '', we certainly would not have time to close within the 30 day rate lock period. Rates had of course gone up, and the lender was unwilling to provide a rate lock extension without incurring a fee ( again, not because I did not provide all of the required information in a timely fashion, but solely because the could " not locate an appraiser '' ). 

My issue is that this is the typical " bait and switch '' strategy that often gets exploited. I, the consumer, move down the path with a mortgage company with the understanding of rate, fee structure, appraisal, etc. and then once you're " in bed '', the financing structure changes. This is criminal in nature and should not be tolerated. My hand was forced to close a more expensive refinance because the interest rate lock would not be extended and the timing did not allow for the mortgage company to get an appraisal. None of this was my, the consumer 's issue, but I was responsible for the financial effect. 

I should be credited back the ~ {$800.00} that I was forced to pay and Sunny Hill Financial should be fined accordingly for deceptive / destructive behaviors and not acting appropriately as a fiduciary.
Consumer complaint received 2024-02-26
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. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts : 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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
Consumer complaint received 2021-10-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (CA)

We received a letter dated XX/XX/XXXX from Wells Fargo stating that they were closing our checking account that we had held with them since XXXX. No reason was given for this decision except to say the bank made a business decision to close our account. We have opened a checking account at XXXX but have had to do the work of adjusting our direct deposit, automatic payments from Wells Fargo to XXXX. In addition no reason was provided to why our account was being close and that we are never allowed to open an account with Wells Fargo ever again.
Consumer complaint received 2020-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (TX)

On XX/XX/XXXX, I received a letter ( USPS ) from American Coradius International LLC, XXXXXX/XX/XXXX XX/XX/XXXX XXXX, XXXX . XXXX, XXXX, XX/XX/XXXX XXXX ( Ph. XXXX ). The return address on the letter is XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX. The letter claims that XXXX placed with their office a collection in the amount of {$62.00}. 

Knowing this was a fraud but wanting to verity it, I immediately called XXXX and spoke to a representative. The representative confirmed that I have no outstanding debt with XXXX and suggested I send them a copy of the letter to XXXX. 

A search of the Internet for ACI disclosed that they have many negative XXXX reviews, with many of them stating that they received letters similar to mine claiming that XXXX turned over claims to them for collection. 

In the letter ACI states that XXXX has agreed that I can pay {$47.00} as partial payment if received by ACI on or before XX/XX/XXXX. The letter asks that a check or money order be sent to the address above or that payments can be made via their website : www.acibillpay.com. 

This case needs an on-the-ground investigator to review their books and processes. Follow the money. Let 's assume that an unsuspecting victim pays their supposed debt to ACI. Since we know that no such debit exists, where is the money going? Sadly, I'm confident that ACI has victimized countless people who wouldn't question such a small amount claimed. 

Please send an investigator to review the accounts of ACI. Otherwise hand this case over to the FBI or appropriate law enforcement agency. The victims of ACI deserve justice.
Consumer complaint received 2020-12-01
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: EQUIFAX, INC. (TN)

I have PAID Charge-Offs with XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XX/XX/XXXX, XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of XX/XX/XXXX XX/XX/XXXX and Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XX/XX/XXXX and Equifax must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2020-12-01
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. (TN)

I have PAID Charge-Offs with XXXX, XXXX XXXX XXXX, XXXX, XXXX as well as charge-offs that no one has been able to verify and PROVE that are mine with XXXX XXXX  XXXX XXXX and XXXX XXXX that I have been disputing with the bureaus. I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of TransUnion, XXXX  and XXXX, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. There's also data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion, XXXX  and XXXX must be held accountable and to the standards clearly outlined in the FCRA.