davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-03
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. (FL)

I have attempted to correct the first date of delinquency with all of the credit reporting agencies, including XXXX and have provided the corroborating documentation from XXXX as evidence. 
I spoke with XXXX and requested the first date of delinquency and payment history because the credit reporting agencies are reporting that the first date of delinquency is reporting correctly. 
I spoke with an XXXX  representative and had him review the date of first delinquency as reported on the current report and he observed the date reported in the payment history but also observed a different date in the section that would have it removed in the 7 year history for removal. The representative informed me that it appears that the system is picking up the latest date of first delinquency not the actual date of first delinquency. 
I am providing a copy of my XXXX credit report dated XXXX showing the date of first delinquency as XX/XX/XXXX and the 81-month payment history which shows XXXX of XXXX and XXXX of XXXX as 60 days late. 
I am also providing a copy of the letter from XXXX which states the month reported as delinquent as XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX. 
I believe that the computer program that XXXX utilizes is only picking up the date of the latest first delinquency not the actual date of first delinquency. As you can see, I attempted to save this property and made payments which is why all of these dates start over.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I paid my loan in full however I was still reported as being late on my payments the creditor has removed this information however two credit bureaus have refused to update the correct information ...
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

I explained to my credit provider that I was new to credit and for this fact after sending in my own money to open up a credit card I really did not believe I was obligated to make ontime monthly payments ... Since the issuse I have never been late ... I just want it to go away permanently..
Consumer complaint received 2022-08-20
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)

In accordance with the Fair Credit Reporting Act XXXX XXXX account XXXXXXXX XXXX account number XXXXXXXX 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 an account without my written instructions
Consumer complaint received 2022-04-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it, I found several items on the report that are inaccurate/no proof that it belongs to the alleged debtor. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please DO NOT respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified/no contract accounts must be promptly deleted. Also, in accordance with FCRA regulations, any account that does not bear an original signature on contract stating that the alleged debt holder agrees to pay or verified such debt must be removed immediately. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. During the verification and validation of accounts, please note that federal law requires that all accounts under review are to be removed from credit reports until validated and verified. In accordance with federal guidelines on debt collection practices, verifiable proof would be a signed contract ( bearing original print signature ; excludes electronic signature ) between alleged debtor and creditor reporting an account to the credit repository. If no such contract exists, then by federal law the CRA is require under FCRA to remove the account ( s ). Failure to abide by federal guidelines could result in government sanctions, punitive damages being paid to alleged debtor. As a CRA, it is your responsibility to verify validity and accuracy of items reported. The CRA is has 30 days to verify and provide documented proof to alleged debtor. Please also provide your bonding agent should legal recourse in this matter be necessary. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
Consumer complaint received 2019-08-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Credit Solutions (MO)

This car was a lemon the transmission went out after 1 month of me having it. This company refused to work with me to get the car fixed. They wanted me to pay for it myself. They wouldnt even put it on the back end of my lease. I continued to pay while trying to get it fixed, Eventually I told them to pick the car up because I cant use it. I discussed with her that when I return this car I will no longer have anything to do with it and I dont owe you all nothing because this car was a lemon she agreed and came to pick the car up. It was never repoed but they are reporting it that way and they continue to report missing payments to this day
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 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
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXXx Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.
Consumer complaint received 2022-10-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRST NATIONAL BANK OF OMAHA (TN)

I done a refinance on my home with a credit card pay down XX/XX/2022 a payment of {$500.00} was issued to payoff my XXXX  XXXX  then XXXX of XXXX  I received a late payment with a extra XXXX  dollar fee, I called then fnbo, I emailed them a copy of the returned check showing that the check went through my account was more than paid off they said they would straighten it out. Fast forward to XX/XX/2022 Ive had the same call several times but they keep reporting daily delinquent payment to my credit report dropping my score and they keep compiling interest and late fees to the account! Please help XXXX XXXX
Consumer complaint received 2022-10-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I have new and updated information on Pentagon Federal Credit Union. On XX/XX/XXXX at XXXX Pentagon Federal Credit Union received my intent to sue letter, litigation paperwork, and past documents since XX/XX/XXXX ( See attached documents ) to show proof that I was trying to resolve this matter outside of court. I have mentioned multiple violations of FDCPA ( 15 usc 1692 ) & TILA ( 15 usc 1602 ) and no action or effort was taken by Pentagon Federal Credit Union. So today I demand Pentagon Federal Credit Union to respond to my intent to sue letter, so we can resolve this matter immediately! If I do not receive a response from Pentagon Federal Credit Union by XX/XX/XXXX I will be continuing the next step in litigation. I will be waiting for your response.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MD)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2021-10-14
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: EQUIFAX, INC. (CA)

Equifax, XXXX and XXXX has been informed numerous times that this account was involved in identity theft. They are reporting this XXXX XXXX account on my credit report and it needs to be removed.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Account Shows Late/Charge off/open. This account was never late. Currently have no open account. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. ()

Mr Cooper transferred my mortgage from XXXX XXXX earlier this year and transferred my auto pay settings as well. But they only set it up for XXXX  months. 

Even in the welcome mail Mr. cooper sent, they didnt indicate that autopay is setup only for XXXX  months. 

This caused me to miss my regular mortgage payments which affected my credit score. Once I noticed this, i have now paid all my mortgage payments and I am fully upto date. 

I have tried asking Mr.cooper to handle this mishap and write to credit agencies. They are not cooperating to fix my credit score.
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong
Consumer complaint received 2020-04-05
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: American Profit Recovery, Inc., Marlborough, MA Branch (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Consumer complaint received 2019-08-03
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. (FL)

I am not sure who reports my employment information to the credit bureaus but my current employer is not correct, it has me at XXXX  XXXX XXXX. How ever I have worked at XXXX XXXX XXXX for the past 17 years. They are my current employer I would like this updated on my reports.
Consumer complaint received 2020-04-05
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I was able to send back the car way back in 2013 yet it is still reporting up to this date. I thought we had a common ground that this will be removed already. Please consider helping me on this.
Consumer complaint received 2022-09-11
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)

I have reached out the credit bureau on XX/XX/2022 they still haven't updated my personal information. I have called, faxed and nothing still hasn't been done about this issue. Feel I have used all my resource to try get this fixed. Can you please help me out with is. 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
Consumer complaint received 2020-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC (IL)

I have been getting harassing call from this number XXXX for the last few weeks, leaving me harassing voice mails. The detail of the debt collector agent and  the contact information is, Reference # XXXX, Receivable Management Services XXXX XXXX, Agent, Operations XXXX ext XXXX # ( phone ) XXXX ( fax ) XXXX. Today when they called me again, I picked up and the agent introduced me her name as XXXX XXXX and she said she is a debt collector for a company called Receivable Management Services and that she is collecting debt on behalf of XXXX shipping company. She told me that I used XXXX service, shipped or received a package and that I didn't pay and that it is past due. I told her this is a scam because that I don't use XXXX  and didn't ship anything. They even had an address at which I don't live. She asked me for my email and sent me a fake invoice or something showing some amount due for using XXXX  service. I looked at it and I don't recognize that service or the charges and I didn't ship or receive package to and from that address shown in the invoice. She told me to call the XXXX number on the invoice which I did. The XXXX billing department I called don't even know what I am talking about and told me I should call back the debt collector to resolve this. I called and emailed the debt collector agent but she didn't reply.
Consumer complaint received 2022-11-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (HI)

On XX/XX/XXXX I was notified of a change in my XXXX XXXX by my credit card company. I investigated and found my bank had filed a " delinquent account '' for an unpaid overdraft of {$.00} ( Yes, XXXX XXXX CENTS ) My bank said they were unable to remove this themselves and I would have to contact Experian. 

I tried to create an account on Experian 's website, but their system erroneously said " User name can not include password '' no matter what I entered for a user name, thus I was not able to create an account. 

I tried calling Experian, but none of their phone options matched my desire to dispute an entry on my credit report, and none would connect me to an actual human or in any way offered a resolution.
Consumer complaint received 2022-10-08
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 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 XXXXXXXX XXXX XXXX XXXX  Shows balance of {$530.00}
Consumer complaint received 2022-10-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX XXXX - XXXX - {$5500.00} XXXX XXXX  - XXXX - {$4700.00} XXXX XXXX  - XXXX - {$6500.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX Credit Bureau has not XXXXomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {XXXX}.