davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

On XX/XX/2021, I mailed a certified letter with return receipt service to TransUnion XXXX Solutions requesting the Method of Verification that was used to verify a XXXX Chapter XXXX bankruptcy case that they were reporting on my TransUnion annual credit report file number : XXXX. I stated in the letter that I was excercising my rights under the Fair Credit Reporting Act that says a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency. " I stated in the letter that I was not disputing nor was I asking for an investigation into the reported Chapter XXXX bankruptcy. I clearly stated in the letter that I was only requesting the Method of Verification procedure for the following items regarding the reporting bankruptcy : the description of the procedure used to determine the accuracy and completeness of the information ; name, address and telephone number of each person they contacted to verify the bankruptcy with ; and a copy of any documentation that was used to verify the bankruptcy. I also stated that I anticipated a response within 15 days of receipt of this letter in compliance with the FCRA. In this letter, I included all of my personal information : name, current address, date of birth, and social security number. I also included a copy of my driver 's license and social security card as proof of identification. Within 15 business days, I received a one page letter with the same file number that was dated XX/XX/2021 that stated, Re : Investigation Procedure. This was merely a generic letter that described the way they go about investigating a dispute. This was not the Method of Verification procedure letter that I had requested regarding the reported bankruptcy. A week later, after the 15 business days had expired, I received a backdated XX/XX/2021 full copy of my TransUnion credit report with the same file number as the one I had listed in my Method of Verification request letter to them. Two weeks, after the 15 business days had expired, I received a backdated XX/XX/2021 letter saying that the disputed bankruptcy had been verified as accurate according to their investigation. I did not send TransUnion a dispute letter. I did not request an investigation be initiated concerning the bankruptcy. I requested the Method of Verification that they used to verify the accuracy of the bankruptcy. No where in any of these three letters from TransUnion did they provide me with the Method of Verification procedure that was used to verify the accuracy of the bankruptcy case that they are reporting which is a violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2022-10-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Navient Solutions, LLC. (FL)

I am consumer, submitting this complaint against XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX having received noticed that my Truth in Lending Act 15 U.S.C. 1602 credit card was suspended in violation of FDCPA 15 U.S.C. 1692e ( 4 ) The representation or implication that nonpayment of any debt will result in the... seizure... attachment, is lawful and the debt collector or creditor intends to take such action.

The debt collector As a result of unfair and deceptive debt collection practice I have been unfairly treated and impacted negatively by parties relying on unauthorized consumer reporting to organizations such as XXXX. XXXX XXXX XXXX is a debt collector engaged in deceptive, unfair and unconscionable, unauthorized practices in violation of the fair debt collection practices. The organization has improperly used the term XXXX in conflict of the Fair Credit Reporting Act and the Equal Credit Opportunity Act. 
The debt collector alleges a debt of XXXX deceptive in violation of 15 USC 1666d ( 1 ) in absence of requested verification by authentication or verfied judgement Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) I revoke the consent and direct debt collector ( s ), pursuant to FDCPA 1692e ( 1 ) ( 2 ) including XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX to cease communication and desist use of personal information and any and all injurious negative information, as right to opt out. The report has impacted me negatively in 1692 ( a ) ( 1 ), as I have lost my job and unable to work due to suspension of consumer credit device issued by state of florida XXXX XXXX. XXXX was instructed to delete all my personal information in accordance to 15 U.S.C. 1681b ( a ) ( 2 ). 
XXXX XXXX XXXX is the original creditor. 
This is an attempt to collect a debt from a debt collector and any information obtained will be used for that purpose.
Consumer complaint received 2022-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (OH)

I am still having a very very difficult time with Equifax lowering my credit score now two times once in XXXX of 2022 and now the most recent time in XXXX of 2022 and each time the score dropped XXXX points each with no major changes to credit report. They are not being monitored for their unethical practices and calculations of individuals credit scores. There was nothing in my credit report to drop XXXX points Equifax just pulled a number out of the air and that was the number. This is why Equifax is in the national news for this very same reason about reporting individuals inaccurate credit scores, that I filed a complaint about in XXXX of 2022. The other two credit agencies did not lower my score by XXXX points.
Consumer complaint received 2021-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc. (IN)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-03-23
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. (FL)

XXXX did agree to remove the inaccuracy from my credit report and i advised experian of this and they are still refusing to remove from my credit report and delete its entirety, also the representative i spoke with was very rude and acted as if he did not understand what i was saying. i have disputed this from over and over again but they are refusing to cooperate and delete from from my credit report. I want them to know i am getting ready to persue legal action because per the report resolution on this site, it was stated that they would remove ( XXXX ) was the response from XXXX **** I AM DISPUTING ALL THREE CREDIT BUREAUS*************
Consumer complaint received 2021-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

There are two accounts in collections that appeared only on my Equifax report XX/XX/2021. I have verified that neither is my account. One is a power company in New York, where I have never lived or established utilities. The other is for XXXX XXXX XXXXXXXX authority. I have never lived or driven in Texas. 

I confirmed with both companies that they have no accounts in my name either last or present. The tollway collection is under a XXXX XXXX, very similar to my name, but obviously not me. 

The debt collectors say they are unable to provide a letter showing I have no accounts or balances due with them, because they are not my accounts. They suggested Equifax may have reported incorrectly. Equifax is claiming they need letters from them to fix the reporting and that there is nothing they can do. Seems to me to be an Equifax problem since 2 incorrect accounts appeared the same day and only on Equifax report. 

Im in the middle of a mortgage process, this error is going to keep me from closing and is egregious on Equifaxs side. They have the power to literally destroy someones financial future with their mistakes. 

Please help me rectify this.
Consumer complaint received 2022-08-08
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. (FL)

Equifax blatantly violate my rights by reporting erroneous scores which cost me to be denied for various credit products including my first mortgage. 

I WAS AFFECTED BY THIS ERROR 15 usc 1681 a 3 Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

Equifax did not assume their legal vital role to evaluate and assemble the correct information to process a report on my consumer report. 

15 usc 1681 a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

EQUIFAX WAS NOT FAIR NOR IMPARTIAL IN THEIR REPORTING AND DID NOT EXECERISE THEIR GRAVE responsibility to respect my privacy 15 usc 1681b ( 2 ) PERMISSIBLE PURPOSE U NEVER HAD A PERMISSIBLE PURPOSE I NEVER INSTRUCTED YOU TO FURNISH THIS REPORT OR CREATE THIS AND I NEVER CONSENTED THIS REPORT IN THE FIRST PLACE
Consumer complaint received 2021-05-05
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. (GA)

I submitted my first dispute onXX/XX/XXXXand never received a response or any contact in regards to that dispute which involved The credit bureaus reporting unknown, inaccurate, and unauthorized accounts on my credit report. I have no idea if an investigation was started or not so I submitted another dispute for a reinvestigation and still have not gotten a response or any contact in regards to my second dispute on XX/XX/XXXX. The credit bureaus are in violation with the FCRA and HIPPA laws. I am a victim of identity theft and they have caused me tremendous stress due to the fact that their letting unauthorized accounts that are fraudulent report to my credit report. I will bring this matter to the attention of the better business bureau and the office of attorney general of Ga. Ive been affect by the XXXX XXXX  , and XXXX XXXX XXXX data breach. I also had my identity stolen by someone that used it to get unemployment benefits in my name last year. Their is obviously someone using my identity to do things I have not authorized. As the original creditor, only I can validate the accounts. I do not validate the accounts. Therefore, the accounts must be deleted from my report. I will also seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of 15 U.S.C 1692g if these accounts are not deleted immediately off my credit report.
Consumer complaint received 2022-12-20
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)

The unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXBalance {$0.00}.
Consumer complaint received 2021-11-29
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. (MN)

Yes I am the Really XXXX XXXX XXXX someone is logged on to my credit reports changed info and his email is XXXX I have my birth records marriage license and drivers license and my husband and family to prove who I am, I will be getting a lawyer for this because I went down to social security office and reported my maiden name card and my married social security card was stolden they did not do a XXXX thing all the guy said was oh I just moved out by you.I want the people who did this punished
Consumer complaint received 2021-07-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (IL)

Caliber Home Loans notified me that they were going to transfer me to their VA home loan refinance department after calling in about my home loan account on an unrelated matter. I have been getting several VA IRRL letter advertising I qualified for a lower rate. I made clear that I did not want my credit run and the loan officer XXXX XXXX XXXX XXXX ) lied to me and told me that since I was already a customer that credit did not need to be run and there would only be a " soft '' run which did not affect my credit in any way. He claimed he was unsure if they could meet the same offers and said he was going to send it up to his bosses. That is the last I heard, then a week later I received many letters in the mail from Caliber, including an Illinois Borrower Information Document form that included none of the information that claimed was required by law. I also received a form asking me and my wife to sign a formal application which I will not be signing. I reviewed two other letters including a form saying Caliber illegally pulled my credit from XXXX saying without authorization. Caliber claims that it was a soft pull and had no effect on the credit. I contacted the credit reporting agency and they said anytime a numerical score is generated that it affects your score and that Caliber homes is lying. They also tried to pull my wires credit without authorization. I asked to speak to a rude manager and he tried to gaslight and also lie and claimed that he did not understand and to his knowledge he does not think generating a score affects credit. The company is coaching its loan salesman to lie and are pulling credit without written consent and then claiming that they are " soft pulls '' even though customers are receiving a letter weeks later with an official credit pull as required by state law.
Consumer complaint received 2022-09-21
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC 1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 15 USC 1681B 2. I never instructed anyone to furnish or create this report
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. But the issue is that the website never completely lets me finish the account setup with usual errors ( ie " failed security check '' or " site error, try again '' ) on multiple occasions. Contacting IT department of the bureaus lead to nothing as the agent would " open a ticket '' and no resolution was reached. When the site actually does let me make an account, I can't submit any disputes due to further glitches and contacting IT again leads to nowhere. Last option remains to call their representatives and proceed to dispute through that but when I do call, the reps are too lazy to even properly initiate any disputes. FTC and police report numbers are not taken over the phone and are asked to mail instead. Even after mailing the said documentations over and over again via certified mail and having proofs that the bureau received it, the agents keep denying the receipt and keep hindering my attempts to fix any and all attempts to resolve this drastic information leaks on the bureaus end.
Consumer complaint received 2021-04-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION (NJ)

In XX/XX/XXXX, my wife and I purchased the subject property for investment. In XX/XX/XXXX, we obtained a mortgage from XXXX for {$100000.00}. The loan was sold to EverBank a short time after closing. In XX/XX/XXXX, I contacted EverBank and informed them that we were seeking to give the property to EverBank in a deed in lieu process ( our loan with EverBank was current, and the property was vacant at this time ). 

EverBank assigned XXXX XXXX to handle our request. I submitted ALL the documentation that was requested and required. In XX/XX/XXXX, XXXX informed us that the application was complete. On XX/XX/XXXX, I received an Initial Eligibility Letter from EverBank. On XX/XX/XXXX, I received a letter stating that I needed to provide satisfaction for three judgements under the name of another individual with the name of XXXX XXXX, who resided in areas that I have never lived. I informed them that these judgements are not mine. They were further notified that I have never lived in the areas, and had no knowledge of these debts ; and, furthermore, that I have bought and sold many properties with various Title Companies, and these judgements were never an issue in completing any of these other transactions. EverBank was also informed of these facts. 
On XX/XX/XXXX, I received a notice from EverBank that my application was complete. 

EverBank was then acquired by TIAA Bank. On XX/XX/XXXX, I received a Demand letter from XXXX , XXXX & XXXX notifying me of the balance of {$98000.00} and their intent to litigate. On XX/XX/XXXX, I met with XXXX XXXX, XXXX, and he assured me that he would clear up this matter. 

This entire situation is unnecessary and a waste of money. EverBank and their legal counsel should not be rewarded or compensated for being incompetent, and ( in my opinion ) working to extend this matter ( unnecessarily ) for maximum financial gain..
Consumer complaint received 2024-12-10
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 (NY)

On XX/XX/year>, I was involved in a motor vehicle accident and my car was deemed a total loss by my car insurance company. My insurance company requested a payoff amount and was quoted {$13000.00}. The insurance adjuster valued my car on that date in the amount of {$11000.00} and on XX/XX/year> XXXX XXXX paid {$11000.00} to Credit Acceptance Company.

Included in my car loan was GAP insurance which should have then paid the remaining amount of the loan. When my account continued to show a balance of {$5900.00} I called Credit Acceptance Company and they stated that I needed to request another pay off amount in which I would be responsible for interest on the loan to date.

In my contract with Credit Acceptance Company it states that " If the vehicle is lost due to theft, confiscation or destruction, you WILL NOT owe the difference between the ( a ) the Net Unpaid Balance at the time of theft, confiscation or destruction and ( b ) the Actual Cash Value of the vehicle.

I dont feel that Credit Acceptance Company should be owed any additional money towards this loan as of XX/XX/year>.
Consumer complaint received 2021-08-10
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. (FL)

I have disputed accounts that are inaccurate and unverified on my credit reports multiple times, and the credit bureaus have only marked the item disputed. I have never received results from the bureaus, and I have never received any information about the accounts at all! I am really upset about it!
Consumer complaint received 2021-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

My checking account access was obtained illegally and used to make unauthorized transactions in the amount of {$4200.00}. I called the police to file a police report and filed written notice along with proof of said police report to Bank of America. The claim has been continuously denied.
Consumer complaint received 2021-02-12
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. (NJ)

Im writing this due to the non compliance with Transunion, XXXX XXXX, I have sent information regarding supported information with inaccuracies and wrong information that does not pertain to me listed on my report, they have failed to remove the information that was affiliated with information that was challenged in the past I strongly believe they are in complete violation of of The FCRA and are just refusing to uphold the law.