davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In the last 90 days I have tried on multiple occasions to remove my inaccurate information from this credit company with no success. I send proof this information is reporting incorrectly and nothing gets done. I will attach a list of inaccurate items to this complaint that need to be removed from my credit report.
Consumer complaint received 2021-10-06
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 — Their investigation did not fix an error on your report
Company: Convergent Resources, Inc. (NJ)

I have asked this company to produce documentation such as a contract between myself & the company stating that I owe them a debt, and to show me what legal right they have to harass me to and calling me all day. They have failed to provide such information after three instances of communication via usps.
Consumer complaint received 2021-09-14
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: LEXISNEXIS (GA)

Please be advised, I am XXXX XXXX XXXX. And I am submitting this complaint and accompanying documentation myself without any involved third party. This is not any sort of company or lawyer. Although I am using legal terminology, that is because I am aware of my rights as a natural consumer & will be pursuing legal resolution should be issue continue to be unresolved ignored. So that being said, fact, XXXX XXXX is in default and violation of FCRA statute 15 USC 1681i due to their non-responses to my previous request to remove invalidated information and information that they've illegally obtained without my consent from my consumer report in their database. Fact, XXXX XXXX received affidavits along with supporting documents on XX/XX/2021, at XXXX that detailed the specific records that were in need of removal due to their numerous violations per FCRA statutes for illegally obtaining, storing these records in their database, and reporting these records to other non-affiliated third-party consumer reporting agencies. XXXX XXXX did not fully complete the removal process nor fully respond to that request within the 30 days ( from the date of receipt of the consumer ) as required per 15 USC 1681i and as a result, they must now remove all of the records referenced in the original request that they received on the date listed above. The specific records that are referenced in that documentation, that was submitted to XXXX XXXX and that is now well past the 30 days allowed, and now must be removed immediately, are as follows : Bankruptcy Records Public Records ( 5 Records ) Identification Records ( 56 Records ) Address Characteristic Records ( 35 Records ) Phone Records ( 11 Records ) Education Records ( 7 Records ) Business Association Records ( 11 Records ) Online Marketing Records ( 20 Records ) Property Deed Records ( 1 Records ) Insurance Policy Records ( 4 Records ) Automobile Insurance Claim Records ( 3 Records ) Inquiry Records- ( 7 Records ) XXXX Records ( 43 Records ) Failure to comply with my request within the next 10 business days will be evidence used in federal court for your noncompliance under FCRA 616, 15 USC 1681 ( n ) and I will be seeking statutory & punitive damages in addition to the cost of the action and reasonable attorney fees.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CT)

Convergent outsourcing have open a fraud account on my XXXX  report. I didnt open a acount on XX/XX/2020. Report that i owe them XXXX. I do not owe covergent. I ask the conpany on XX/XX/2020 on a letter prove me or send prove of the debt. The company have not provide me verification or validation of debt. Not provide the original contract with all the payment history from the purchase to the defaut date. The account in XXXX  is inacurated report remark confusion it have like 5 different remark and a 1 month term for fact i know that cell phone company only 24 month term or prepaid. And the account is only in the XXXX  thats a violation to my right to have a 100 % accurated credit report on all the credit burue.
Consumer complaint received 2021-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CarMax, Inc. (FL)

I have an account with Carmax that is not showing on my XXXX credit report. I have contacted Carmax with no results. The account shows on XXXX and XXXX, but not XXXX. I also contacted XXXX but they report what is given to them.
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX and XXXX is reporting inaccurate information on my consumer credit report. They continue to furnish inaccurate information that was open fraudulently and/or reported inaccurately. This is causing adverse action to be taking against me. My personal information has been brought and sold to other persons. I did not give these CRA 's permission to do so or to advertise any fraudulent or inaccurate information. The furnisher duty is to investigate inaccurate information and conduct a proper investigation under the FRCA requirements. In regard to 15 USC 1681S-2 they have violated the law. The furnished information needs to be modified, deleted or permanently blocking the reporting of all disputed information According to the federal law ( 15 USC 1681 ) it states that consumer reporting agencies must ensure their right to report on the consumers report with fairness, impartiality and to respect the consumers right to privacy with regards to confidentiality, accuracy, relevancy, and proper utilization of information. They have failed to follow the federal law which is affecting my credit worthiness and reputation etc.
Consumer complaint received 2021-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 XXXX received a letter requesting the " Method of Verification '' as I suspected that they utilized an electronic method known e-Oscar to verify the debt they say I owe. I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Transunion received the same letter/request on XX/XX/2021. XXXX received the same letter/request on XX/XX/2021. The Method of Verification has not been received by listed companies. The ( 15 ) day period has been exceeded.
Consumer complaint received 2021-09-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (VA)

I am a service connected XXXX veteran and I have been in a forbearance due to Covid. Just stayed on the phone with Wells Fargo 1 hour 48 minutes. I have communicated with the lender several times and not until today was I told that because my payment on XX/XX/2020 was not paid until XX/XX/2020 I do not qualify for a deferral of my loan because I can only have 18 payments and not 19 payments. According to Wells Fargo I was late in XX/XX/2020. Which I dispute. However, if I would have been told that I would not be able to put the payments from the forbearance to the end of the loan sooner because I am one payment over, it would have helped. Now I can not get those payments deferred to the end of the loan. This is going to cause problems for a lot of Veterans and seniors. 1 payment and here we are in the middle of XXXX. I am able to start paying my loan in XXXX, but to have to go through loan modification when the income is reduced because we had two incomes when the home was purchased and now my husband is deceased. My income is substantially less. If I was informed about 1 payment causing me to end up in foreclosure because at the 11th hour I am informed about 1 payment over is a way for lenders to allow homeowners to go into foreclosure. Right now I have to try to sell the house before it is foreclosure on. Because the lender never explained it could only be 18 payments until TODAY! How many other people are just learning this?
Consumer complaint received 2021-10-06
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. (TN)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2021-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, 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. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Charge off XXXX XXXX Balance : XXXX XXXXXXXXXXXX  XXXX Balance XXXX {XXXX} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX Balance : {XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {XXXX} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX A ) XXXX Balance : {XXXX}
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

Recently I have received an adverse action letter from quicken loans stating they denied my credit application. I want to help quicken loans understand that in the process of a credit application which I have filled out and submitted to them, we are under The Truth In Lending Act. I have been denied credit by quicken loans for having excessive debt in other words my debt to income ratio is to high. 
I have to say Im very confused to the language quicken loans is speaking. I need a senior executive to help me understand and define the words they have provided to me listed under the truth in lending act : DEBT INCOME LOAN BORROWER.

Due to the fact that they are not defined under the truth in lending act I dont know what they mean and Quicken Loans doesnt have the capacity to make up definitions for those words under truth in lending act. In other words they are operating fraudulently because they cant define them.
Consumer complaint received 2021-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

I had disputed inaccurate personal information to Experian via U.S Mail and through CFPB on XX/XX/2021 and on XX/XX/2021 Specifically asking to remove this erroneous address from my credit report XXXX XXXX XXXX XXXX XXXX, NM XXXX. I ask them specifically to provide names, phone numbers, employee numbers they spoke to during this investigation which I have ask according to section 611 of the FCRA. EXPERIAN HAS FAILED TO PROVIDE PROOF OF INVESTIGATION WAS EVER MADE SO THEY MUST REMOVE THIS ITEM ACCORDING TO FCRA RULES UNDER SECTION 611 all they said is one or more source REPORT that the address belongs to my credit history without providing proof. REPORTING is not proof of nothing CAN THEY PROOF IT REALLY BELONGS TO ME. EXPERIAN YOU HAD FAILED TO PROVIDE ANY METHOD OF VERIFICATION OTHER THAN YOUR E OSCAR USELESS RESPONSES, COMPLY WITH THE LAW COMPLY WITH THE FCRA OR WITH THE HELP OF CFPB I WILL SEEK LEGAL ACTION AGAINST YOU FOR ABUSING MY RIGHTS.
Consumer complaint received 2021-10-06
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: Experian Information Solutions Inc. (TN)

My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.
Consumer complaint received 2021-11-29
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. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX, I am not an attorney or a third party, I am filing a CFPB Complaint on my own behalf because it is my legal right to do so. I have some accounts that were reported as late during the COVID Pandemic Shut Down. I was told to file a dispute due to the fact we ( U.S. Consumers ) were under the protection OF the CARE ACT. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020, that allows for accommodations. The following accounts were reported as late XXXX XXXX XXXX  # XXXX COVID LATE, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/2020, XXXX XXXX XXXX SERVICE # XXXX, XXXX XXXX XXXX XXXX XXXX COVID LATE, XXXX XXXX # XXXX XXXX XXXX  COVID LATE.XXXX Please remove the late pay status asap. My income was affected due to the Pandemic shutdown from COVID-19. 
I have some issues with unrecognized addresses on my credit file please delete remove the following addresses : XXXX XXXX XXXX XXXX GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA,XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX have inculed my id and mail for proof of address.
Consumer complaint received 2021-10-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NATIONS LENDING CORPORATION (AZ)

I am a XXXX veteran  that has been able to take advantage of the XXXX program offered to veteran home owners to refinance their homes at no cost, no documents, no credit or income verification. I just have to be a veteran and have no late pays on my mortgage history. I did not have any until I went with Nations Lending for this program and what should have taken 30 to 45 days, took almost 6 months for them to complete. I was advised in an email that I did not have to make the XX/XX/2020 payment or the XX/XX/2020 payment. I was then notified near the end of XXXX to make my XXXX payment because the underwriter was sick and they had no one else to sign. This delayed the process and I was not able to make my XXXX payment until XX/XX/2020. My wife contacted XXXX Mortgage immediately to make arrangements to see if we could stop it from being reported late and was advised by XXXX that they understood that we were refinancing and they would be paid in full and never said anything about it being reported late. They finally funded the loan over a month later and now I have a late pay on my mortgage because of the lack of customer service to a XXXX veteran during a global pandemic. I have made several requests to both companies to assist and they have refused to provide any customer service to me in this situation. This has caused 2 lines of credit I had to be closed as well as a credit limit being lowered by over 75 % of what the limit was on a credit card I have in good standing. This happened due to the lack of training on the part of both companies and the meaning of CUSTOMER SERVICE. I feel that both companies should be removed from this veteran program and any VA lending until they can prove they have the proper training to assist Veterans.
Consumer complaint received 2021-10-06
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc (GA)

I AM REQUESTING ALL DOCUMENTATION REGARDING THE CANCELLATION OF DEED ON XX/XX/XXXXPERTAINING TO XXXX XXXX XXXX XXXX, XXXX GA XXXX. THIS IS NOT A DUPLICATE REQUEST, PREVIOUS CANCELLATION UPLOADED HAS A DATE OF XXXX, PLEASE NOTE BOTH AS ASSOCIATED WITH FRADULUENT LOANS.
Consumer complaint received 2021-10-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC. (MA)

I purchased a XXXX XXXX XXXX XXXX edition from the XXXX XXXX dealership of XXXX, MA in XX/XX/XXXX. I can not afford the payments and would like to give the car back to the dealership. The lease is with Ally Bank/Leasing . They have given two separate prices for a buyout. 
1. I can go to any dealership and pay {$41000.00} ( good until XX/XX/XXXX ) to take buyout the car and take the title. I would also need to pay MA sales tax. 
2. If a dealership wants to purchase the lease, they have to pay Ally Bank the 'market price ' of {$54000.00} ( good until XX/XX/XXXX ), which is $ XXXX more than my buyout. They said the difference in price is the 'market 'price ', a 'new rule ' as typically the buyout price should be the same, and that it is non-negotiable. 

Since I can not afford to pay {$41000.00}, and no dealer in the country would pay $ XXXX more than the car is worth on the open market, Ally Bank is sticking me with the car and the payments that I can not afford. 

If they had the same buyout price for both me and the dealership as all other leasing companies do, I would be able to exit the lease with no financial harm to my credit, or be forced to file for bankruptcy. 

Please advise.
Consumer complaint received 2021-10-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This was a corporate account and mistakenly reported on my profile. The XXXX Credit Bureau had their record-keeping been accurate, and no proof of payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2021-10-06
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. (TX)

On multiple occasions, I have submitted proof of my personal information being incorrectly reporting on my credit report. This company refuses to remove inaccurate address and names that don't belong to me. I will send you my drivers license and a bill as proof of my correct information.
Consumer complaint received 2021-10-06
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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-10-06
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XX/XX/XXXX I sent letters to the credit bureaus regarding erroneous accounts I have in my credit report. Until now I havent got any actions from them I can still see those accounts in my credit report. It has been over 60 days so they should be deleted promptly. This situation has caused me to stress out and I need to have it resolved quickly. Thank you.
Consumer complaint received 2021-10-06
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: EQUIFAX, INC. (NC)

I'm submitting a complaint regarding unknown things that I have on my credit report. I already sent credit bureaus my letters on XX/XX/2021 and It has been over 60 days and I still see those inaccurate data in my credit report when they should have already been deleted by now. I humbly ask you to help me resolve this once and for all.