davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-14
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. (NY)

The law under 15 USC 1681 A2 ( i ) Consumer report does not include ; report containing information solely as to transaction or experiences between the person making the report. Late payments are illegal as per the Federal law.
Consumer complaint received 2022-08-02
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. (OH)

Was reviewing my credit report and noticed 3 companies that i didnt authorize to obtain a copy of my credit report one had run my credit 5 times in one year and the other 2 had ran it twice the same year all that i didnt authorize so when i called trans union to discuss the matter the operator was very rude and didnt really seem to be listening to my problem nor cared just kept saying oh i understand & oh Im so sorry like lady please stop saying that your not sorry because your not trying to assist me with the matter as to why i called. When i asked her to send me verification of the inquiries and an update of report the operator kept going around what i was asking her to do and kept saying i have to contact the company that requested the copy of my file but when i stated that I had already done so and they said i have to contact the credit bureaus. It was my understanding thats its trans unions job to report accurate and updated information and i have a right to request documentation that the inquiries are accurate. Once i stated i did contact the company that had requested a copy of my file we would then again run in circles with the conversation. As i was talking she kept putting me on mute for long periods of time after id get done speaking Id say so i was put on mute once again? Shed take moments to respond then say oh no we sat on the phone for 22 minutes and got nothing solved or accomplished she just kept running me in circles. Terrible customer service. I want help!!
Consumer complaint received 2024-09-09
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: Experian Information Solutions Inc. (TX)

I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name XXXX XXXX XXXXXXXX Account XXXX Date of Charge-Off : XX/XX/2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-20
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Madison Management Services, LLC (OH)

I would like to file an official complaint for misuse of escrow funds related to this a land contract that is serviced by Madison Management Services I have attached all relevant documents related to the land contract I entered, schedule of payments, and payment breakdown. 

I became aware of several issues related to this account managed by your company Madison Management, upon the receipt of the attached letter : Escrow Impound Sortage Notification. 

Please Reference the following excerpts from the attached contract for land that was agreed to and purchased by the landowner. This clearly spells out the provision that the Seller shall maintain timely payments for all taxes, insurance, and HOA dues. 

Item 7. Annual Property Taxes, HOA dues, and Insurance Premiums. Until the deed to Buyer is recorded, Seller shall timely pay all real estate taxes, HOA dues, and insurance premiums. After the deed is recorded, the Buyer shall be responsible for all such items. Provided, however, that all such items shall be prorated so that each party pays for its share of the period covered by such items. 

Current real estate taxes due : $ XXXX XXXX Delinquent real estate taxes : $ XXXX Current homeowner association dues : $ XXXX XXXX Delinquent homeowner association dues : $ XXXX Current special assessments : $ XXXX Delinquent special assessments : $ XXXX Item XXXX. Liability Insurance. Liability insurance may be kept in force by Seller for such coverage as Seller deems appropriate, including ( but not limited to ) coverage of {>= $1,000,000} per person and {>= $1,000,000} per incident. The cost of such insurance shall be paid ( as specified above ) by Buyer. 

Earlier in the year, I contacted Madison Management several times regarding a discrepancy in the number of payments and the payment amounts changed from the contract. According to the contract, at the time of purchase, there were 43 payments due at XXXX per payment. I have made all payments on time plus additional funds to be applied to principle. As of the XXXX Payment, there should be a balance of 35 payments due.
Consumer complaint received 2023-07-26
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. (TX)

The final account statement in the amount of {$4600.00} should be waived as my lease agreement with XXXX was terminated due to XXXX XXXX arising out of an automobile incident which occurred on XX/XX/2023. As such, I submitted a notice to vacate on XX/XX/2023. Under the Texas Fair Housing Act, a refusal to make reasonable accommodations in rules, policies, practices, or services, when such accommodations may be necessary to afford such person equal opportunity to use and enjoy a dwelling, is considered discrimination. Both the Fair Housing Act and the Texas Fair Housing Act broadly prohibit discrimination in rental dwellings.
Consumer complaint received 2022-04-26
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. (NC)

There are accounts under my name that is a reporting inaccurately as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them Please see attached documents for these accounts i am complaining.
Consumer complaint received 2021-05-02
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. (FL)

I have 21 federal student loans that are now consolidated. All 21 loans are listed twice on my credit reports with all 3 agencies. First time with the original servicer ( XXXX, XXXX, or XXXX XXXX ), second time with US DOE, and now as the consolidated loan with XXXX. This appears to lenders that I have more than 42 loans and that 42 were in default. My credit scores range from XXXX due to this inaccurate information. The loans have always been federal student loans and should not be listed multiple times on my credit reports regardless of whether I am in forbearance, default, paid in full, or paying as per contract status. Once a loan transfers from one servicer to the next, the previous servicer must contact the credit bureaus to remove erroneous data. I have attempted to dispute with all 3 credit reporting bureaus and with the student loan ombudsmen. nothing is being corrected. This has to stop immediately!
Consumer complaint received 2021-05-02
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: EQUIFAX, INC. (NC)

I have received a copy of my credit report and it shows company XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-10-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (VA)

repeated unsolicited text messages, no Stop command XXXX XXXX CRDIT-REP0RT ALERT : XXXX DeIinquent ltems Found : Dispute By XX/XX/XXXX : XXXX : XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am requesting XXXX, XXXX, and Transunion request and provide signed copies of all of the disclosures guaranteed to me as a natural person with rights under 15 U.S.C. 6803 ( a ) while the current reinvestigation is taking place into the accuracy of the account listed below by the credit reporting agencies. 

Account Name XXXX  XXXX AND XXXX Account Number XXXX For reference : 15 USC 6803 ( a ) states ; DISCLOSURE REQUIRED- At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title.

I do not recall receiving any such disclosures. I have requested that I be provided with these disclosures within 15 days the request was sent.
Consumer complaint received 2023-06-01
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Persolve, LLC - Legal - Series 2 (FL)

The Vehicle from original creditor, XXXX ( XXXX XXXX XXXX ) was XXXX XXXX in XXXX. I never received notice that the vehicle was sold nor what the remaining balance was after it was sold. XXXX THEN sold my information without my knowledge to a third party ( Persolve Legal Group ). The account has been reported as a charge off and NOT a repo. It was XXXX XXXX and I do not have the vehicle in my possession. Also with the vehicle being reported as a charge off, the third party company is reporting it as an open collection account. How is it open, but reported as a loss/charge off? Persolve Legal Group has also pulled my credit report on multiple occasions without my permission. They have also failed to provide me original documentation on the purchase of the debt and my original contract. XXXX is a predatory loan servicer conducting illegal business and sells your information post repo after claiming a loss on their taxes. So they have also conducted tax fraud. Also in the month of XXXX ( XXXX ), Persolve Legal Group falsely reported my account as 120 days past due. The vehicle was repo 'd THEN charged off in XXXX.
Consumer complaint received 2023-01-29
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: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-07-30
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-07-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (IL)

This company continues to misappropriate my account to point of not noting the account timely to garner additional fees. 

The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XX/XX/2023, and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight mail on XXXX XXXX, 2023 and the money order was cashed/posted until XX/XX/2023. The payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted XX/XX/2023. They payment for XX/XX/2023 was sent overnight on XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. The payment for XX/XX/2023 was sent overnight XX/XX/2023, and the money order was cashed/posted on XX/XX/2023. No payment has been late nor missed so the information they have provided is not accurate. This is indicative of the issues with this company. They payment is sent and they do not pick it up or post it timely which results in what they alleged are late payments. 

Secondly, the XXXX XXXX monies are supposed to provide to all homeowners and in this case, XXXX has XXXX multiple errors since obtaining my account from XXXX, which is now a defunct company. 


Regards, XXXX XXXX
Consumer complaint received 2021-02-11
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: AMERICAN EXPRESS COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Amex, XXXX XXXX, and XXXX. The Account Opened is Amex Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2020-07-10
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. (IL)

XXXX XXXX is fraudulently and knowingly sending false information to Equifax, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

XXXX XXXX has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true. 

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a XXXX  XXXX   not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a XXXX  to remove it. Thank you in advance XXXX
Consumer complaint received 2021-05-03
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax  data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2020-07-01
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TD BANK US HOLDING COMPANY (OH)

CONTACTED COMPANY MULTIPLE TIMES TO FIX CAR WAS REPOED. CAR SHOULDNT HAVE BEEN REPOED BECAUSE WAS GIVEN A COUPON FROM CAR DEALER TO CHANGE DUE DATE OUT A MONTH BEFORE IT WAS DUE. ORIGINALLY THOUGH PAYMENT WAS DUE XX/XX/20. WAS TOLD FROM REP IT WAS XXXX. I SAID I DONT HAVE IT RIGHT NOW TO PAY I HAVE THE FREE MONTH TO MOVE IT OUT A MONTH. WAS TOLD I COULDNT USE IT AND I HAD TO MAKE A PAYMENT. THE CAR WAS REPOED FROM MY BROTHER IN XXXX. MY BROTHER LOST MY KEYS. I PAID THEM OVER XXXX I HAVE ATTACHED THE RECIPETS. WHEN I MADE THE PAYMENT I WAS TOLD THAT THE ENTIRE BALANCE WOULD BE APPLIED BECAUSE CAR HAD BEEN TRANSFERED TO AUCTION. THE ENTIRE BALANCE WASNT BECAUSE BEING TOLD THE DIDNT GET THE XXXX OF THE XXXX. WAS TOLD THEY WOULD INVESTIGATE AND WOULD CALL ME BACK. CALLED AGAIN AND WAS TOLD THEY WOULD APPLY THE COVID 19 90 DAY EXTENSION UNTIL SOMEONE WOULD CALL ME BACK. NO ONE CALLED ME BACK. EXTENSION WASNT APPLIED. WAS SENT A LETTER IN THE MAIL THAT THEY WOULD REPO THE CAR XX/XX/XXXX. I DONT HAVE THE CAR THE CAR IS STILL AT THE AUCTION OR WHEREVER THEY MOVED THE CAR TO I DONT KNOW NOT I DO NOT HAVE THE CAR AT THIS TIME OR THE KEY.