davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation (PA)

I needed to buy a car so I went online through XXXX XXXX and they did my supposedly credit report online and my down payment was supposed to be {$990.00}. Went to XXXX XXXX XXXX  location and it was a different story I had to put down a {$2700.00} down payment on a XXXX XXXX XXXX and that was purchased on XX/XX/XXXX of XXXX. So then I made my first payment two weeks in advance and then on the second payment I was going to make on this Friday which my second payment was I think 10 days past due and they came to repossess the car and they kept telling me what I talked to Bridgecrest because that's who it is financed through and then they tell me that it was in my contract that I would have to make the first the second payment on time which I kept reading through the contract and it does not say that and I told him that I was going to make the payment this Friday and they still came to repossess the car. And that they told me for me to get my car back I would have to pay the car completely off and then I would not be able to get my car back until 4 to 6 weeks after the fact that way they can inspect the car. When I first bought the car the car has paint chipping off. It has a major scratch that with the paint does peel off the primer is coming off with it there is also there is a shimmy the front left side of the car. And the back side by the both quarter panels one of the side and I do believe this the left side that is off by XXXX inches. And they are telling me that the car was never wrecked but I'm pretty sure the car was wrecked. But when I purchased a car they never told me that I would have to make the first and second payment on time.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (NY)

I have contacted LoanCare regarding XXXX late payments theyre reporting on my credit. When the Pandemic first happened and I was financially impacted, I notified them and they told me my payments were suppose to be in forbearance. They assured me that they werent reporting late payments at all because of the Natural Disaster of C19. Upon me checking my credit report the ending of last year, I seen they have reported as late payments. I have been contacting them via Mail and also over the phone. This is hindering me tremendously! Those two years was very tough for me. Not only did I loose more than 50 % of my income but I lost my mother at the same time. I had to pay for her funeral expenses. I also told LoanCare the same. They assured me that I wasnt going to be affected. But I am. I have improved my payment history since the world opened back up.
Consumer complaint received 2022-08-05
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX. Account # XXXX, XXXX XXXX Account # 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 a account without my written instructions
Consumer complaint received 2022-10-14
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. (MI)

In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and condifentialtiy under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX TX, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX, # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX AZ, XXXX XXXX Has violated my rights Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy XXXX XXXX XXXX section XXXXXXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information ANY other adverse item of information other than records of convictions of crimes which antedates the report by more than XXXX XXXX 

XXXX XXXX XXXXXXXX ( A ) ( XXXX ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2022-07-29
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : Bankruptcy XXXX XXXX Ref XXXX
Consumer complaint received 2023-01-04
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. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00}.
Consumer complaint received 2023-10-02
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-17
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC (PA)

My wife and I applied for a XXXX XXXX XXXX with New Rez on or around XX/XX/2022. We promptly submitted all documents and paid the appraisal and credit score fee. After multiple delays and the need to restructure the loan several times on New Rez 's end we were offered a closing amount of approx {$37000.00} to get the loan approved with our debt to income ratio. This was about {$60000.00} LESS than what we were initially approved for.

We accepted the amount and were cleared to close by New Rez. The morning of closing, the notary did not show up. Neither our processor or anyone involved at New Rez answered our calls. We had made schedule adjustments with work to accommodate the closing.

The loan officer at New Rez ( XXXX XXXX ) called me and explained that the loan was denied at the last minute due to our debt to income being to high, the loan amount, and the fact that our investment property against which the loan was secured was paid off. 


New Rez has fraudulently claimed that our debt to income is too high after we received the clear to close from processor F. D__z on a recorded line and it was reviewed multiple times by underwriting.

This is unacceptable especially given the long history of on-time payments we've maintained with New Rez. I read this as discriminatory against clients who do not offer the most lucrative payoffs New Rez desires.

New Rez has determined that it is not profitable to lend us a mere {$40000.00} for the following reasons : We have paid off the investment property against which the refinance is to be secured in less than a year We are being offered a lower loan amount due to our DTI which will not offer much of a return in interest We have made significant headway in our primary mortgage which is also with New Rez. 
This low loan of XXXX ties up funds in your available capital pipeline Therefore New Rez has determined it is not profitable to lend us a mere XXXX which can be quickly paid off. 

All this while greedily taking appraisal and credit score fees during these difficult economic times and not even having the courtesy to notify us that -- contrary to what we were told -- the closing was not going to happen. 

This is another example of a big company taking advantage of consumers.
Consumer complaint received 2022-10-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Di ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the XXXX XXXX  credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with XXXX Bankruptcy XXXX I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, Experian and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you XXXX  this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against Experian and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am a senior citizen living in the state of XXXX and I was recently notified by my bank that Experian credit reporting had put a delinquent remark on my credit bureau. When I read the bureau it was from XXXX XXXX that was showing late. I contacted XXXXXXXX XXXX and they sent me a letter through the CFPB showing that the payment was not late and they notified all 3 credit services XXXX XXXX, XXXX and Experian To remove the late payment. XXXX XXXX and XXXX both removed the late payment but Experian refused to do so. This has caused my credit to drop significantly. I have the letter sent by XXXX that was sent to the bureau I am asking the CFPB to demand that Experian remove the late payment reported by XXXX immediately and that the CFPB fine or penalize Experian for credit tampering
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: NOVA Financial Holding Company, LLC (AZ)

In XXXX, Nova Financial & Investment, my mortgage holder, applied my ON TIME PAYMENT of {$1000.00} to miscellaneous NEW subaccounts, including 1 called 'unapplied balance '. They then 1- reported me LATE to the credit bureaus and 2- began an escrow account that I never requested nor agreed to. 

I contacted the company in mid XXXX and was informed that I had a 'late balance due ' of {$270.00}. This was a strange number to me. Later on XX/XX/XXXX, XXXX informed me via tele that MY LOAN PMT INCREASED IN XXXX. I was then informed that only {$950.00} was received. This could not be. As I had just sent my XXXX payment for the same, agreed to at signing, amount of {$1000.00}. This was when I discovered their 'creative " accounting practices. And learned that monies were sent to XXXX XXXX for my property taxes. I had paid these same taxes in late XXXX, and sent Nova PROOF just as they had requested. Its clear to me now they did this to create and collect on UNJUST LATE FEES. and in the process, they wrecked my credit. Banks recently were fined for the exact same fraudulent FEE practices on checking accounts. 

On XX/XX/XXXX I emailed a complaint directly to XXXX and received a 'verification email ' that it was received and ACTION would be taken. Also, I would be contacted by XXXX XXXX within 2 days. She later said that she would 'submit to credit for a review today ' and immediately get back to me. 

It is now XX/XX/XXXX, and I have heard nothing. My good credit, and record of ON TIME payments, is now wrecked thanks to Nova. And their creative bookkeeping practices continue. Will you please help?
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : XXXX - XXXX XXXX  - XXXX XXXX  - XXXX The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Consumer complaint received 2022-08-19
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. (CA)

I disputed XXXX account due to some fraud, but nothing happened in over 90 days. The dispute started around XXXX of XXXX  I was notified by my landlord that I had to move and found myself XXXX due to the housing situation. I needed to raise my scores. I elected to settle with XXXX without prejudice until I am no longer XXXX and can deal with it. I am the caregiver of a severely XXXX person so I had to set my priorities. 
I obtained a settlement letter, paid the amount, and have proof that they have cashed the agreed upon amount yet after the the settlement was made the account is still being reported incorrectly on my credit reports. I have worked very hard to resolve this and yet I can not get an accurate rendering of the account on my credit reports.
Consumer complaint received 2023-04-19
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. (MA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

National Credit Adjusters please reinvestigate this accountXXXX enclosed are a list of violation s verifying an account that you state is accurate but has violations I will wait for your information, when a account is in dispute it has to be removes from credit report at once until the investigation is closed you did violate my rights the first time by not removing the account from my credit report when you investigated last time