davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-25
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ) .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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DPT EDXXXX XXXX, DPT EDXXXX XXXX XXXX DPT EDXXXX XXXX
Consumer complaint received 2021-08-05
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: Commercial Acceptance Company (NY)

COMMERCIAL ACCEPTANCE COMPANY and Collection Agency XXXX XXXX XXXX are 2 companies that are reporting fraudulently on my credit. 
I didnt open nor utilize these accounts and I am requesting the removal of these accounts from my credit.
Consumer complaint received 2022-06-19
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. (NV)

In accordance with the Fair Credit Reporting act 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 2024-10-14
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. (AZ)

Commencing XX/XX/XXXX I have called XXXX XXXX ( as listed on my documentation ) to question why an excessive number of XX/XX/XXXX day lates were reported for the last 78 months on my credit reports. Did not know I was being passed to the loan administrator XXXX XXXX. More than 17 dispute requests were submitted to XXXX requesting a review of payment account history be made for which I submitted proof of payment in the form of bank statements and electronic exports from my checking account. End result was XXXX made a partial correction without explanation as to why and how the calculations were made. Additionally, bank history for the 6.6yrs of the loan is no longer available on the XXXX website. No explanation as to why the XX/XX/XXXX payment was not recorded, but the XX/XX/XXXX was resulting in a rolling 30/60 late history for almost 2 years. One again opened disputes with all 3 credit bureaus on XX/XX/XXXX and sent the same supporting information to XXXX via the encrypted mortgage portal asking for a review. Receive a message on XX/XX/XXXX asking me to obtain a transfer form from my institution. I called XXXX XXXX and XXXX asking why I needed to obtain an internal bank record as proof when it was clear the payment was transferred by institution as seen on the bank statement. Was essentially ignored and was told there was nothing they could do and they couldn't see the supporting documentation provided. Received a phone call on XX/XX/XXXX from XXXX posing as XXXX to query about a negative customer service survey and ask how I was doing getting the documentation for the interbank transactions which is not privy to consumers ; they needed to add notes to my file.I have spent more than 24 business hours on the phone with XXXX XXXX being passed around of disconnected under the guise of " waiting for a supervisor. '' My new mortgage lender has been unable to speak to anyone although I have submitted wet signed paperwork permitting discussion.
Consumer complaint received 2021-08-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I was financed a XXXX XXXX 4 months ago and when i asked is anything wrong with the car i was told no. Later i came to find out that the car had frame damage and the problem became unrepairable. I was told by the shop that the dealership had to be aware of this if the car was correctly inspected.
Consumer complaint received 2022-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio XXXX did not address that the debt owed to XXXX XXXX was charged off on XX/XX/XXXX. Florida law has a 5 year statue of limitation. Portfolio XXXX did not state this in their response. The first time that Portfolio XXXX contacted me was XXXX of XXXX. That is 8 years after the debt was written off.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (NC)

Sunrise Credit Services continued to call me several weeks ago even though I had asked the company to stop calling me on my phone. It was only after mentioning XXXX XXXX XXXX that the calls stopped. 
A letter was sent to my address but my name is not " XXXX XXXX XXXX '' ; thus, legally this is not my bill even though my address was used. 
I do not owe XXXX XXXX. This matter had been presented to North Carolina Attorney General and the agreement was that the balance of {$100.00} would be credited by XXXX in lieu that I would not take further action against this party. XXXX was going to take the EBB funds for internet services and still charge me an additional {$50.00} ; the customer service agents were not consistent with what had been advised to me from the corporate office of XXXX. After calling several times to XXXX and being told that I did not have a balance, I believed the agreement had been honored. This collection bill is a surprise and it forfeits the original agreement with XXXX who had been reported to the proper agency for investigation. I have faithfully been a on time paying customer of XXXX XXXX until behaviors that appears to reflect discriminations and incongruent customer service as well as what appeared to be big corporate attempting to take advantage of a XXXX on XXXX, did I notify XXXX  that I would no longer use the services, sent back all of the equipment, and agreed to the credit of {$100.00} in exchange for no further action against XXXX and no further communications to the Executive Office. I no longer received any bills from XXXX and each time I called prior to XX/XX/21 I was told that I had a " zero balance ''.
Consumer complaint received 2022-07-18
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. (FL)

In accordance with the Fair Credit Reporting Act the following companies has violated my consumer rights : XXXX XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, 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. states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681i ( 5 ) ( b ) ( i ) states the certification of accuracy of information 15 U.S.C. 1681e ( b ) states whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S.C 1692i states debt collection companies have no legal obligation to collect on alleged debt. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. 

15 U.S.C 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2021-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. Collections West, Inc. (AZ)

Account Name : US COLLECTIONS WEST IN Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$0.00} Reason : Identity theft Please remove it from my credit report
Consumer complaint received 2022-07-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (AZ)

I have XXXX. I have been out of work for 5 days and have not been able to work my second job either. I called Flagstar Mortgage on XX/XX/XXXX and was advised that they could request a forbearance for me but there were no guarantees. I have been trained in disaster relief for forbearance from the company I work for and do not understand why I am being told I may not qualify for a disaster forbearance. This is not the first time I have had issues with this company. In XXXX of XXXX I cashed a check from them that bounced and ended up having to pay {$14.00} in bank fees ( that to this date still have never been reimbursed. ) the customer service at this company is deplorable. I have even dealt with escalation agents who have been down right rude to me. I still do not have confirmation on my forbearance, and have been told they are waiting on approval from my investor. At the company I work for no one has ever had to wait for approval from an investor to put someone on a forbearance. This company should truly be investigated for their practices. Thank you
Consumer complaint received 2022-07-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION (MI)

I had a debit card provided by an employer ( XXXX XXXX that was stolen from me around XX/XX/2022. On XX/XX/XXXX, I became aware that the money on my card was used by someone else for {$800.00}, from XXXX XXXX XX/XX/XXXX. 
After calling and reporting this issue to Comdata ( the bank issuing my XXXX XXXX ), I was instructed to dispute each transaction online. Then I received an email from a comdata representative basically telling me to investigate my own case by calling each business my card was used at, ask about there refund terms, and ask if they would be willing to issue me refund. My problem is I do not believe my card company is trying nearly enough to dispute or replace the money I worked hard for. 

I followed their instructions even though it was difficult to try and talk over the phone with business about my card being used. Most of the businesses asked why does my card company have me reaching out to them, and that if fraud really did happen, that their card services would have to refund me. Im almost 100 percent sure comdata should not be instructing users of there service to figure out if they can get a refund. 

Attached is a picture of the email instructions Comdata sent to me filing after disputes.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity theft and have been fighting the removal of personal information and accounts that are fraudulent. Transunion keeps stalling their investigations even though I have sent all required documents and form of identity to support my claims. They are stating that they need to investigate 30 days which is a violating of my consumer rights that protect me from identity theft. 

Pursuant 15 US Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Transunion is not cooperating with my request and is clearly violating my rights! I have attached a conversation that I had as well and the representatives are in understanding that this is a violation but aren't doing anything about it. Below are all my current complaints that have been completely ignored and that have violated my consumer rights stating that identity theft items need to remove within 3 days NOT 30 DAYS if appropriate proof is given, provided identity theft report and identification of personal info which I have COMPLETED. 
XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am frustrated to see my Credit Report with no changes with the items I am disputing. I have been sending dispute letter to the Credit Bureaus asking favor that they remove the fraudulent item from my Credit Report since these items are completely unknown to me. I was a victim of identity theft and this is the letter I sent on XX/XX/XXXX was already my third request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I need the following items removed from my Credit Report now : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Bankruptcy is reporting that should not be I did not give authorization to report this and this is defaming my character. I am asking for verification with my wet signature that this is to be reported. I'm aware that no court or agency reports this information to any bureau
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hello, in review of my credit report, I obtained my credit report and noticed four hard inquiries I did not authorize or initiate. I tried calling TransUnion several times to get these removed and there was no resolution. As a result, I filled 4 separate claims with the FEDERAL TRADE COMMISSION which I will attach to this compliant as well as my passport as proof of identification. 

1. XXXX 2. XXXX XXXX XXXX. XXXX XXXX  4. XXXX XXXX XXXX ( Finance )
Consumer complaint received 2022-07-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Rapid Auto Loans LLC (FL)

About 4 years ago I took out an auto title loan with RAPID AITO LOANS based out of XXXX XXXX. 
That loan was paid in full in an amount agreed to by an officer or employee of said company on XX/XX/2022 and was told it would take 15 days to release the lien. 
After numerous phone calls in attempts to have the line released it has not been affective. 
So I'm reading out to my US SENATOR XXXX XXXX
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The car that I had was in a car XXXX. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.
Consumer complaint received 2022-10-13
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Experian to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2022-07-18
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. (IL)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Greetings, I am requesting that all the credit bureaus be updated with the correct balance. I received a notification from XXXX XXXX  that the account went up to {$880.00} on XX/XX/XXXX. My online balance reflects {$5600.00}. I called XXXX 's and the auto-recording stated the same amount. I spoke with a live agent on XX/XX/XXXX and they gave the same balance. I've disputed this thru the credit bureaus ( last month ) and they updated it before with the correct amount. I've included pages from my XXXX  and XXXX  dated XX/XX/XXXX, reflecting the correct amount. The following are screenshots from the notification and increase balance. I want the correct amount to reflect on all three bureaus at your earliest convenience. Please confirm that you have received this email. 
Thanks, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Texas XXXX XXXX ( in the email I sent I provided updated screenshots ) The company responded : We received a request concerning your account ending in XXXX. We report to the credit bureaus every month on the last day of the month. Your account assesses interest on the account as well. We last updated your account on XX/XX/XXXX with the credit bureaus. Per review of the attached information, this report was pulled on XX/XX/XXXX which would not include our most recent update. XXXX 's XXXX  XXXX  XXXX. 
I wrote back : Interest does not accrue that high within days, {$880.00} is not a correct number. Please look further into my case and reply with accurate numbers. I want this corrected immediately because today is XX/XX/XXXX and that is only days from XX/XX/XXXX. 
They are showing a higher balance than when is reporting under my account when I log into the account.
Consumer complaint received 2021-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The car that I had was in a car accident. The person that caused the accident Insurance Company paid the balance on the car in full. The balance that is showing on my credit report can not be from that car and the balance should be removed on my account. The payments that are showing on the car and the payment that is showing is not the amount that was agreed upon under my contract. I have not signed a new agreement authorizing this. This needs to be removed off of my credit report.