davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-19
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. (NV)

On XX/XX/2022 i sent Transunion a certified letter because Transunion reinserted an account back on my credit report after removing it. 
15 USC 1681 ( b ) ( i ) Certification of accuracy of information if any information is deleted from a consumers file pursuant to subparagraph ( A ) The information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information " CERTIFIES '' that the information is complete and accurate. 
I have requested a description of the procedures used to determine the accuracy and completeness. I also requested a copy of the " Certification " received by the furnisher. 
XXXX XXXX XXXXXXXX # XXXX XXXX XXXX  XXXX # XXXX Transunion fail to respond to my request, they updated my account as verified. I was never given a description nor a copy of the Certification. 
I was completely ignored, my concerns were not meet.
Consumer complaint received 2020-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (CA)

Greeting Issue with Amazon prime account that I do not open. 
Balance : {$240.00} XXXX # XXXX SYNC/AMAZ XXXX XXXX XXXX, XXXX XXXX TX XXXX Tel : XXXX In XX/XX/2020 I received a bill from Amazon let me know I have past due account {$240.00}. I called Amazon, they told me sine XXXX that Prime membership fee and late fee add up. I told them I do not open this membership, if I order amazon I have my credit card online to pay, I dont even know what prime membership I ask them to close, they said they will close and I should not worry ( XX/XX/2020 XXXX. I don't even know until lately. 
We are offer to buy a home in XXXX California in early XX/XX/2020, the mortgage company run the credit and XXXX show that the account is closed but still have balance and past due, my credit score is low and the bank don't accept for the home loan. I called amazon so many time and talked to 6 people and present my case, if I have known the details of closing meaning I should have clear everything in XX/XX/2020. They said the fraudulent department will put this case in dispute XX/XX/2020, and dispute letter will mail to me in next 7 to 10 days and the investigation will take 30 to 60 days to remove my name from the TRADE LINE so my score can go up. 
Please help me in your authority our loan in the process I have XXXX weeks to close the loan to buy the house that what we need right now I can't wait for 30 days. Please help us AS Soon As you can. 
Regards, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX  credit file has no credit score. Which it had before. I got scammed by a company last year that had my social and all personal information and nothing was done about it. There are things on my credit that are older than XXXX XXXX XXXX. I mean they just dont care and they break credit laws each and every day.
Consumer complaint received 2020-10-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc (AL)

I have never heard of, done business with, nor have I been contacted by the collection agency regarding any debt. I have not received any notice of debt, notice of the right to dispute, any information to verify or validate this alleged debt, or any other correspondence from this company.
Consumer complaint received 2016-09-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (IN)

I filed bankruptcy chapter XXXX in XX/XX/2016 - at the time of filing a tax lien showed up out of no where.. I received no bills or documentation about this debt. i contact the credit reporting agency for info. they referred me to XXXX XXXX XXXX XXXX XXXX in XXXX -stated the phone number to contact the original creditor was XXXX. I requested a dispute .the credit reporting agency Equifax stated the information was verified. i went on to contact the creditor myself, at the number listed on my credit report, talked to multiple people they stated they do n't handle taxes at the number XXXX -and could n't understand how the credit reporting agency was passing out their number for such taxes. according to the FCRP they must provide correct contact information for the creditor which they have not which is a violation. additionally the creditor did n't provide any validation notice ( XXXX dunnying notice ) to all me to validate the debt prior to credit reporting. i have contacted them .but only can talk to collections department which act like pit bulls. Stating I know I owe the money and pay. they are not above the law because they are state agency .they have since added another tax debt mind you I did n't get a notice for this one either. showing recorded XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX in XXXX {$260.00} phone number XXXX .. which they also state tax. they are again reporting incorrect information for the creditor which means there is n't any way to verify the debt w/ the creditor. how is the data finisher verifying these debts if the information listed on my credit reporting is incorrect please verify. i have disputed these items multiple times which have never been verified because the contact information is incorrect.. the credit reporting agency is could n't verify the debt w/ the wrong contact information listed
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

It is totally frustrating to see TransUnion XXXX XXXX, reports wrong information on my credit report and they do not have proper address to be reached. It really heats my credit and my time and money is unnecessarily wasted following up with this erroneous account information with TransUnion and they keep verifying the account without reasonable investigation being done.please take this incident seriously and delete it immediately Account Under Dispute : XXXX, XXXX XXXX - NOT DELIVERABLE ADDRESS - previously this account was verified that information is correct but when I went and write a letter to the debt collector they where not at the address that listed on my credit dispute response communication mail. You need to DELETE it immediately.
Consumer complaint received 2020-05-21
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. (WI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-05-21
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. (WI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
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 — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION (PA)

I attempted to dispute late payments a multiple times prior to making this complaint. However, I send the company a goodwill letter explaining that I was effective by the COVID 19 pandemic.
Consumer complaint received 2019-10-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (FL)

Around XX/XX/2019 I received a letter in the mail saying they were a debt collection company. They call themselves Cascade Capital LLC. The letter states that they have purchased the accounts from the Original Creditor. Total of 2 accounts. The letter gives no detail as to the amount I may owe or services that were provided. It only states to call their office at ( XXXX ) XXXX should I have any questions. 
XX/XX/2019 I called their office. I was a bit concerned because I was in the process of paying of a debt which they were not aware of. It was not discussed. I asked them how much I owed and I told them when I receive a notice from them after the 30 day wait period in compliance with Florida Statute 559.715. I would look it over and send a payment. One account was for {$48.00} and the second account was for {$25.00} They informed me they were not going to send me another notice.? I said then how can I pay you. They said over the phone is acceptable. I told them I need a statement first. After all, I need to keep records too. He became excited and tried to get money. He said I can also write a check and send it to their address listed below. I told him I can do that But, I need something on paper first. He said No! 
That's when I realized he was a scammer. Working through the mail service. He said they will not be sending another statement and I said " Great '' Then I guess were done. 
I hung up. They are listed as Cascade Capital Funding LLC XXXX XXXX  XXXX, XXXX XXXX XXXX, California XXXX // Also at XXXX XXXX / XXXX MI XXXX
Consumer complaint received 2024-04-23
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. (AL)

I am writing to formally dispute and demand the removal of inaccurate and outdated account information that XXXX XXXX XXXX has furnished on my credit report, as provided by Equifax. It has come to my attention that this account information is erroneous, outdated, and in violation of my rights as a consumer under both federal and state law. 

Upon initial investigation, as mandated by federal law, Equifax was required to obtain consent from me, the consumer, before including any information provided by XXXX XXXX XXXX on my credit report. However, Equifax failed to adhere to this requirement, thereby violating my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Furthermore, in the state of Alabama, where I reside, there are specific laws in place to protect consumers like myself from such infringements. Alabama law stipulates that consumer consent must be obtained before any private information is furnished to credit reporting agencies. Equifax 's failure to obtain my consent directly contravenes this statute and constitutes a breach of my privacy rights. 

I want to emphasize that I did not give Equifax consent to furnish my private information, nor did Equifax contact me upon the initial investigation as required by law. This lack of communication and disregard for proper procedure has resulted in unjust and damaging information being included in my credit report, which can have significant repercussions on my financial well-being and future opportunities. 

As a remedy for these violations, I demand that Equifax take immediate action to : XXXXRemove the inaccurate and outdated account information furnished by XXXX XXXX XXXX from my credit report. 
XXXXCease any further reporting of erroneous or outdated information from XXXX XXXX XXXX or any other unauthorized sources. 
XXXXProvide written confirmation of the removal of said information from my credit report within the legally mandated timeframe. 
XXXXTake steps to ensure that proper procedures are followed in future investigations, including obtaining consumer consent and conducting thorough and accurate assessments of reported information. 

Failure to comply with these demands will result in further action being taken, including but not limited to pursuing legal remedies available under the FDCPA and FCRA. I expect a prompt and satisfactory resolution to this matter and will be monitoring my credit report closely for any updates. 

Please acknowledge receipt of this dispute letter and inform me of the actions being taken to address the inaccuracies outlined herein. I can be reached at the contact information provided above. 

Thank you for your attention to this matter.
Consumer complaint received 2018-07-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018
Consumer complaint received 2020-05-21
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. (CA)

XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a medical bill.
Consumer complaint received 2020-05-21
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. (CA)

XXXX XXXX : I had one late payment out of 36 payments on a car lease. The reason the payment was late is that my online banking service failed to deliver it on time.I called XXXX XXXX  and they even wiaved the late fee. Im unsure why this is still negatively affecting my credit. 
I have two car leases that I'm paying today and I'm never late. Furthermore I've been leasing vehicles since 2000 and I've never had a late payment in 20 years! 
XXXX XXXX : I have no idea what this charge is. It appears to be a medical bill.
Consumer complaint received 2021-11-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Phoenix Financial Services LLC (TX)

I keep asking for them to remove my # i am not the person they are looking even tried asking what the call was for can not get an answer i know whom they are looking for but without them giving me any information i will give any contact info so i asked for them to stop calling me and i just get hung up i called back and they hang up on me also
Consumer complaint received 2020-10-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ascension Point Recovery Services, LLC (MD)

Ascension Point Recovery has called me three times looking for the person in charge of XXXX XXXX estate  financial matters in order to collect a debt. I don't know a XXXX XXXX, not have I ever heard of her. My maiden name is XXXX and I guess they are calling all XXXX   fishing. I believe I called them back and left a message that I didn't know who she was but was called again. 

Please fine these parasites so that stop harassing innocent people or people who have lost a loved one. 

Respectfully, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I went to school at XXXX XXXX XXXX in XXXX Utah where I earned my Associates Degree in computerized accounting. The total loan was about XXXX. Later in XXXX I went to University of Phoenix for a few months. Most of which was pell grant. Some loans were sent to the university and were sent back. Navient counted these loans even though they were sent back to the borrower. I became XXXX with XXXX XXXX XXXX in XXXX. In XXXX Navient garnished my SSDI and also made me sign paperwork tripling my loans threatening that they would take all of my Social Security Disability. Still to this day there is a balance of XXXX on my student loans. Because of what they did I lost my house I was renting and became homeless.
Consumer complaint received 2016-05-26
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC. (NJ)

On XXXX/XXXX/2016 I contacted Equifax because the verification information they provide to IRS was incorrect. I needed to request my IRS tax transcripts and it asks me to verify my telephone number. I learned through the phone call and pulling my credit report that Equifax has/had no phone contact information listed for me. They also had no employment history even though I have worked for the last 17 years. I was able to provide an update for my employment history, but not my phone contact. Please note upon pulling my report during the call using the Equifax website, XXXX and XXXX have all of my current information. I was informed by several representatives that in order for phone/contact information to be added I had to contact my creditors and they would have to correct the information. I asked which creditors could up date this because it appeared that of my XXXX or so creditors, none of them reported anything about me in the last 17 years.The rep stated that all of them could. I asked for equifax 's contact number so that the creditors who could do this I could provide them with contact information ; I was informed that they have the information needed to correct this information.Additionally I was told that I would have to place a fraud alert in order to put a phone number on my credit account and fraud alerts only lasts 30 days. I called XXXX XXXX, XXXX credit, and XXXX XXXX. All XXXX informed me that they report the same information across all credit bureaus every 30 days which includes my employment history and contact information. Each creditor stated that do n't call the credit bureaus directly, that everything is done through the system. They each verified that my phone number, address and employment was up to date and was submitted to Equifax as late as XXXX/XXXX/2016 in one instance. XXXX XXXX made an exception and resubmitted to Equifax XXXX/XXXX/16. I called Equifax back with XXXX XXXX on the phone and was informed informed that there are no alternatives. I asked if there was someone there with technical expertise because it seems impossible that no one submitted any information to the credit bureau. I asked if maybe there was something that is not getting loaded properly, and I also asked for a supervisor at that point the representative hung up the phone. I also attempted to dispute names that I never used and was n't able to do that as well.
Consumer complaint received 2020-12-06
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)

I have filed a dispute in regards to inaccurate information reporting on my credit report. It has been well over 60 days and I haven't received any investigation results. The items on my report are in violation of the FCRA. There are unauthorized accounts and inquiries on my credit report. There is also accounts that have late payments that are inaccurate because I have always paid them as agreed. These are in direct violation of the FCRA.
Consumer complaint received 2020-10-22
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF THE WEST (CA)

I have been a joint customer with my mom at Bank of the West for over 15 years. On XXXX XXXX, 2020, I opened a money market account under the existing name ( married name ) on the account. There was no problem opening the account. My mom (  XXXX years old ) is a senior and from time to time she lives with other family members. Earlier this year we had a family issue that compromised my moms account and we had to change her banking information. It took us approximately 3 weeks to make her account secure as they were notified that there was missing checks to my moms account. The same day we changed the account information, a Social Services representative came to my house wanting to speak with my mom to verify I had not  committed XXXX XXXX to her. Since my mom does not pay me rent and the funds continued to grow and she continues to live with other family members, we decided to move some of the funds to a money market account. There was no problem opening the account, however, I received a letter dated XXXX XXXX, 2020, from the bank requesting verification of my identify due to the IRS involvement. I had no problem with bringing them the verification. The letter stated that I had a deadline to provide the verification. I sent them a letter requesting they provide me with documentation from the IRS prior to the deadline. They failed to send me the IRS contact information and told me during the personal visit that the bank has no such documents for presenting these sensitive documents. On XX/XX/2020, I walked into the XXXX, Ca branch bank to provide verification and was denied because they wanted to make a photocopy of the verification ( social security card ) without providing me a form from the IRS requesting this information be forwarded to them. The environment was an unsecure open environment and I was publicly ridiculed by the manager for all bank participants to hear and see during the conversation and as I walked away from her. I went home discouraged by her and move the money back into the account in which I was charged a fee for the transfer. The same day after notifying a complaint contact number for the bank I was told the Regional Manager would contact me, as of this date I have not heard from any representatives from Bank of the West.