davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services (MA)

I just got off the phone with XXXX. I put in a complaint on XX/XX/04 with the CFPB in reference to a late payment that was reported to my credit bureau in the month of XXXX, I was on auto pay from the beginning of the lease MBFS is claiming they tried to take out the deferral amount in XXXX and that it was returned insufficient funds from chase. 

I sat down with my banker who printed out the last 3 months of my statements and it does not show mercedes benz attempting to withdraw any funds from my account for the month of XXXX. My banker stamped the statements to show there must have been a bank error therefore i should not have been reported to the credit bureau as late. 

XXXX told me to attach the supporting documents and i also am attaching the paperwork forwarded to the CFPB I hope this resolves the matter and i can remain a statasfied and proud Mercedes Benz XXXX XXXX! 

Thank you!
Consumer complaint received 2020-06-30
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)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2021-09-27
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (MI)

In XX/XX/2022, I received a letter from a collection agency, Transworld System, demanding I pay a medical bill for XXXX XXXX XXXX 

While neither deny nor accept the bill, I was looking for some questions to be answered. They answered most of them, but refused these questions : 1. The agreement with your client grants you the authority to collect on this alleged debt. 
2. The agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
3. Any judgments obtained by any creditor regarding this account 4. Commission for the debt collector if the collection efforts are successful. 
5. Provide the name and address of the bonding agent for Transworld in case legal action becomes necessary. 
6. Verification that this debt was assigned or sold to a collector. 

Instead of answering my questions, they sent me another bill on XX/XX/2022, and another on XX/XX/2022.
Consumer complaint received 2021-06-09
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. (IL)

I have disputed errors on my credit report with Trans Union, XXXX  and XXXX  several times. 
I have been disputing bankruptcy 's reporting on my credit report. They keep verifying them as accurate but will not provide the information on how they verified it was accurate. I have been in contact with XXXX XXXX and the bankruptcy court. They have reported to me that they have not verified these with the credit bureaus.
Consumer complaint received 2020-06-30
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: Freedom Mortgage Company (MA)

I was shocked when I reviewed my credit report and found late payment with this company on the dates below. I paid but sadly, I think my payment did not applied on time and I am tagged as late payment. This is not my fault, I paid and settled on time. 
XXXX XXXX XX/XX/2019 2019
Consumer complaint received 2021-12-16
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Mid-Atlantic Finance Co., Inc. (VA)

After assessing the contract obtained for my vehicle I identified that there were several illegal charges that were assessed in this consumer transaction. I have outlined violations identified below along with supporting documentation which support facts. 

Affidavit of Truth Notice to all, I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administer, holder in due course for any and all derivatives thereof for the surname/given name XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Where, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. 

Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceitful creditors and I have been abused and deceived so be it. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit A and Exhibit C that MidAtlantic Finance Company , Inc., is in violation of 15 USC 1605. ( a ) ( c ). This transaction included a finance charge and the finance charge includes insurance which protects the creditor against the obligors loss, and or property damage. MidAtlantic Finance Company did not include my insurance in my finance charge. 

Fact, Affiant is aware and has proof in attachment labeled Exhibit B that Mid Atlantic Finance Company XXXX Inc., is in violation of 15 USC 1605. A finance charge is the sum of all charges in a consumer credit transaction, and it does not include cash. Mid Atlantic Finance Company took cash as shown in attachment labeled exhibit B. 

Fact, Affiant is aware and has proof in attachment as labeled Exhibit A that Mid Atlantic Finance Company , Inc., is in violation of 15 USC 1611. Mid Atlantic Finance Company , Inc., willfully and knowingly failed to provide/disclose information required under the provisions of 15 USC 1601. They are now civilly and criminally liable.
Consumer complaint received 2023-06-29
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)

there are fraudulent addresses on my credit report. i tried to fix with the credit bureaus and they are refusing to remove them. my only and unique address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX i have been living there for over 5 years. any other addresses with different apartment number or without apartment number on my credit report is fraud. and i want addresses other than the one i provided to be remove immediately
Consumer complaint received 2020-11-30
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. (MO)

On XX/XX/2020 I had obtained a 3 bureau credit report and notice that Equifax, XXXX  and XXXX are reporting false accounts on my credit reports. These listed accounts need to be verified immediately and corrected on my report.
Consumer complaint received 2021-02-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (FL)

I moved out of XXXX XXXX apartment complex, XXXX XXXX XXXX FL, XX/XX/2020. They refused a final walk through and told me they had my forwarding address. I didn't give full 60 days notice and filled out paperwork stating the balance I would owe for the 15 days in XXXX. For months I never hear from them until I hear from a collection agency one night named IQ Data. I had read about this in some online complaints about the complex, but I had lived there 10 years and never late on rent or anything. I had a few maintenance issues, but that was it. I never thought this would happen to me. I had a good relationship with office personnel and management. So approximately 4 months later I'm called by a very rude and yelling young lady at about XXXX one evening that I owe an amount over {$1000.00} because of damages. I responded there weren't any damages to the apartment and that's why I asked for a final walkthrough because I was out 2 weeks prior to the end of my lease and could've had anything repaired if they said it was damaged. I finally received a letter from IQ data and responded saying I wouldn't pay without an itemized list of the damages. they sent a letter saying " damages ''. Not what was damaged. I am more than willing to pay what I owe, which should be less the {$150.00} deposit they kept for " damages ''. If you call IQ Data and ask for the person on the letter they always say that person isn't there and the same guy just yells. Now they've put this on my credit report which dropped my credit 90 points.
Consumer complaint received 2020-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc (NC)

I received a change in terms email from Paypal. There was a link with the changes which I went to. I did not agree to the changes, which appeared to make it easier for Sellers to avoid chargebacks and returns through Paypal. I responded to email, which was returned as NO REPLY. I then went to the Paypal website to close account, which was not possible. Contact pages do not work. So, I called their number and could not speak with a human. A computer answered and the greeting options had no provision for closing an account. At the end of the long loop of options, Paypal said they could not proceed and suggested I return to their website to get the information I needed, which is impossible. It is clear this company does not want to communicate with their customers and will not close an account even when customers choose to do so after they change terms of the agreement for using their services.
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (UT)

Fed Loan is reporting inaccurately on my credit report. These accounts show as collections status and they are not. I have consolidated them and should be reporting as a good open line of credit. I am requesting they fix this as soon as possible.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (AZ)

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining inquiries on my report which are unauthorized and were resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove/block any item listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-06
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. (OK)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX $ what my tax form 1099 G said it was at XX/XX/XXXX from bank of America some one change my peronal pin amd account password with my ssn and id idont know how but i know he got information enough to do that and mails from my mails he been receiving all my irs mails and bills.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

I opened a be enmo account had my identification fully verified and my buddy sent me XXXX which is within the allowed limit. Then I made a payment to XXXX for XXXX $ and a XXXX XXXX  payment to my girlfriend.. Then the froze my account without reason.. I can't access any of the money or close my account. Customer service gives me run around and are of no help offering little to zero info.. this has been over 9 days ago with no responce.
Consumer complaint received 2021-08-24
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

XXXX  we purchased a home with a predatory lender and our credit was bad and our income was barely XXXX but we were approved for a {$240000.00} mortgage at an adjustable rate. We continued to pay the 80 % mortgage and they changed it to a fixed rate. Now, 15 years later that 20 % loan mortgage now has threatened to put a lien on the house.
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

During XXXX, I reviewed my credit report with Equifax.com to find inaccurate information that is being reported by Equifax. I contacted an agent during that time to explain the discrepancy. Equifax is reporting a numeric number after my name. On XX/XX/XXXX, I sent the requested documents to update my name. To date, Equifax has never removed this numeric number from my name. It has caused creditors to deny use of there services because of an identity problem. On XX/XX/XXXX, I reviewed the same inaccurate numeric information contained by Equifax, I tried to dispute the error online. I tried to upload my drivers license and open a dispute regarding incorrect identifying information and the upload was rejected, advising I contact Equifax. I contacted Equifax Agent XXXX XXXX. The agent advised to mail my documents. I advised ; I did this in XXXX. I requested that she submit a technical ticket because the information reported is in fact reported and recorded by Equifax. 
I asked for a reference number for the contact call. XXXX advised there was no reference number. I asked for a call escalation and XXXX was adamant that I would not receive any help. Agent XXXX advised that a creditor would need to update my identifying information. I advised I needed further clarification, because I was only aware that ALIAS could be updated by current creditors and NOT account information reported and recorded by Equifax. I then spoke with XXXX XXXX, who claimed to be an escalated account agent. I did not received help from this agent either. XXXX advised I needed to send in additional identifying information by mail. XXXX advised documents forwarded on XX/XX/XXXX were past the 90-day use mark and they were out of date. I asked for identifying call center information and XXXX refused to provide the information. I asked for a reference number for the contact call and XXXX refused a reference number. I asked if the call was the call center? XXXX refused to answer rather I was speaking with a call center representative, or a Home based representative. She was so angry that I asked for this information that she disconnected the call on me. With so many Business changes due to Covid19, there needs to be accountability for reference numbers and rather the agent is refusing to help customers because they are located outside the Business Office. Equifax should be held accountable for both accuracy of what their Business is reporting to Creditors, as well as accountable for the period of a year they continue to report inaccurate consumer information.
Consumer complaint received 2023-08-08
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. (SC)

XXXX To Whom it May Concern This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 


15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts be deleted immediately XXXX XXXX account number XXXX amount XXXX XXXX XXXX account number XXXX amount XXXX XXXX account number XXXX amount XXXX XXXX XXXX  account number XXXX amount XXXX in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX