davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to formally dispute the inaccurate and incomplete data reported by XXXX XXXX XXXX ( account number : XXXX ). The reported information is in violation of established reporting standards and regulations. 
Specifically, the following data fields contain errors : * Experian : Highest credit ( XXXX ) ; Address ( not reporting ) ; Activity date ( XX/XX/2023 ) ; Date of account ( XX/XX/2023 ) ; Date of last payment ( XX/XX/2023 ) * XXXX XXXX : not reporting ; Address ( XXXX TX, XXXX ) ; Activity Date ( not reporting ) ; Date of account ( not reporting ) ; Date of last payment ( not reporting ) * XXXX : Highest credit ( {$20000.00} ) ; Address ( not reporting ) ; Activity date ( XX/XX/2023 ) ; Date of account ( XX/XX/2023 ) ; Date of last payment ( XX/XX/2023 ) These inaccuracies have the potential to negatively impact my creditworthiness and financial standing. 
I demand that XXXX XXXX XXXX correct these errors immediately. Furthermore, I request that you provide written confirmation of the corrections made. 
Please note that failure to address these issues promptly may result in further legal action. 
Thank you for your immediate attention to this matter.
Consumer complaint received 2016-03-30
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: DriveTime (OH)

I filed bankruptcy in 2014. I reaffirmed my auto loan with DriveTime or DT Credit. When the bankruptcy was in process, DT Credit removed everything from my credit report pertaining to this loan. Once the bankruptcy was closed DT Credit will not report to any credit companies and the loan is nowhere on my credit reports. I have tried to traded my vehicle in and have been unable to because its like that loan does not exist.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX Dispute Department- 15 U.S. $ 1681c-2 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 the receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft. Please delete immediately.

These accounts should not be furnished on my consumer report as they are in violation. Under, 15 US Code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instruction to the consumer it relates to. I never gave any consumer reporting agency written consent to report anything on my credit report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer, I am demanding the deletion of the accounts below.

Please remove all inquiries which I did not authorize or give consent : Hard inquiries XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired onXXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired onXX/XX/XXXX On record untilXXXX XXXX XXXX XXXX  Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX XXXX VIA DEALER Inquired XXXX On record untilXX/XX/XXXX XXXX XXXX XXXX Inquired XXXX On record XXXX XXXX XXXX XXXX XXXX XXXX Inquired XXXX On record untilXX/XX/XXXX
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act. In my opinion you have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ) the validity and accuracy of your recent investigation of these accounts is that I felt the item was not being reported legally. Couple of days ago I received a letter stating that your investigation was completed and my updated credit report still have the accounts I disputed when unfair traits and activities is being active to this companies that I think ilegally reporting in my credit profile that affects my life being tortured financially. 

I WANT TO KNOW WHY? HOW? When they can not provide A PROOF or and EVIDENCE OF ANY WRITTEN DOCUMENTS THAT HAS MY WRITTEN SIGNATURE THAT WILL SHOW THAT I HAVE BUSINESS WITH THOSE COMPANY. 

I DISPUTED those accounts because I never applied for any accounts to them. And I did not signed with my written signature to a written documents as transaction agreement. Please Make this negative accounts DELETED TODAY IN MY CREDIT PROFILE and deleted completely in my credit report as under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report and As a consumer by law this account listed below must be deleted immediately! 

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Consumer complaint received 2024-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (PA)

Loan servicer : Newrez mortgage servicer ( https : //www.newrez.com/ ) On XX/XX/year> I contacted my loan servicer about a " real state tax statement '' I received in the mail with the amount of {$920.00} due on XX/XX/year>. I asked if I needed to pay that and they assured me that I should not and the bill will be paid from my escrow account. 

On XX/XX/year> I received a " Delinquent Real Estate Tax Bill '' in the mail with the amount of {$990.00} due on XX/XX/year> from the XXXX XXXXXXXX XXXX stating the bill has not paid yet. {$75.00} penalties and interest was added to the original amount. 

I then contacted my Newrez and they claimed they have no record of receiving such a tax document and it was my responsibility to pay that. I then brought to their attention that from my last call with them they asked me not to pay for the bill. After a series of weekly calls, they agreed to pay the bill, however, they also paid the {$75.00} penalty from my escrow account. 

I believe I should not be penalized because of being misinformed by them and they should be responsible for paying the late penalty fee. I called them about this multiple times, they agreed that they should not have asked me not to pay the bill, however, they also will not pay for the penalty. 

After making numerous calls, I think you are my last resort. I believe I should be responsible for the penalty because of the incompetency of my mortgage servicer. 

Thank you
Consumer complaint received 2016-03-15
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I wanted to pay off my lease. So I went to the website and I got the payoff figure. I was instructed to call the hotline to make a payoff. After calling them, they could not give me specific instructions on how to payoff my lease. They said to go to the bank and have the payment wired. They could not provide me a reference number to wire the payoff funds. They said the bank would know where to route it. I said I was uncomfortable with this approach.Then they said to go to the dealer. I went to the dealer and the dealer stated that they do not process payoffs and I needed to go through TFS. I called TFS again and they instructed me to make a payment online. So after calling TFS again, they said to make a payment instead of my normal reoccurring payment. I submitted a lease payoff payment of {$30000.00} on XXXX XXXX and it cleared my bank account on the XXXX. I called to follow up on the XXXX and they advised that I needed to fax documentation in. This was never told to me in any of the conversations with TFS. So I faxed the documentation in, and I went on to the website and now it shows I owe 2 months payments and I have concerns that I will be reported to the credit bureaus. I followed up again on XXXX XXXX and I was told that XXXX page of the document was n't received and they needed that page sent in. I sent it in that day and followed up today. Today I was told that a different document was missing and the payment was returned back to me. I then pushed to speak with a different person and they said they have received my payment and they have all of the documentation required. 
My concerns are as follows : - I sent in money and they received it- No one contacted me to provide any paperwork - When I sent the paperwork in, no one contacted me to say they received it or that they were missing anything - Once my money and the first instance of paperwork was received, I believe my account should have been frozen with no more payments be required until further notice. At the very least I should n't have to make the full monthly payment. I am currently late {$880.00} on a $ XXXX payment. 
- Each time I contacted TFS they had little to no idea how to process a payoff, what was going on with my account, and how to handle it. 
- I had to spend at minimum 30 min but up towards an hour on each phone call. I made at least XXXX6 phone calls just to payoff my lease.
Consumer complaint received 2015-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX XXXX, 2015 I requested that TransUnion investigate XXXX XXXX XXXX XXXX tradelines listed on my credit report, numbered XXXX ; the same tradelines I successfully had removed from my XXXX credit report. In the complaint I requested that they provide me with documentation of their verification process to ensure that they performed their due diligence. On XXXX XXXX, 2015 I received my dispute results ; XXXX of the tradelines were removed, however the other XXXX remained. To date I have not received any documentation surrounding their verification of the remaining XXXX trade lines. 

Prior to filing this complaint I called TransUnion and spoke to a representative ( XXXX/XXXX/2015 @ XXXX ). I spoke with an extremely arrogant representative who dismissed my complaint as being inconsequential to the validity of their report.
Consumer complaint received 2016-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

Navient does not allow my to pay more than the minimum on my student loan balance each month through auto-pay. In order to pay more than the minimum, I have to log into the website each time I want to make an additional payment.
Consumer complaint received 2015-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am a recipient of XXXX XXXX. My coverage renewal was mailed to me in XX/XX/XXXX. I had to fill out my XXXX renewal forms and mail it to : Mail Renewal Program, XXXX, XXXX XXXX XXXX, XXXX NY XXXX. I mailed my forms in on XX/XX/XXXX. XXXX XXXX received it on XX/XX/XXXX. This form was sent to renew with my managed care program ; XXXX XXXX XXXX. I never received any updates via regular mail as I had requested when I signed up with my public assistance service. It was n't until I was inquiring on my coverage in XX/XX/XXXX that I found out that I no longer had XXXX Coverage. So, my coverage was canceled from XXXX XXXX to XX/XX/XXXX. I called my local social service office at XXXX XXXX and received the following status of my account:1. My mailed in application did not get processed after it was received on XX/XX/XXXX because it got transferred to the bottom of the list. 
2. On XX/XX/XXXX my account was noted under another persons name. 
I was then instructed that a new renewal form will be mailed out. I need to fill out and then return it. Weeks passed and I never received the duplicate renewal form. So I went into the XXXX XXXX office at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX on XX/XX/XXXX to submit a renewal form in person, which I did. After I submitted this form, to my surprise, I received a renewal form again in the mail on XX/XX/XXXX. The reason why this is important is because during the time when my XXXX care coverage had been canceled from XXXX to XX/XX/XXXX I made an appointment to see a Doctor who accepted my manage care coverage for payment. However, since I did n't have coverage during that point in time, now the doctor is billing me for the lapse in coverage of {$36.00} for patients with no health insurance coverage and {$320.00} for patients with healthcare coverage as what I have. XXXX XXXX is also billing me for {$77.00} for service rendered on the same date. Now XXXX XXXX and the Doctor is threatening to send my account to collections because of the payments not being paid. The account number for XXXX XXXX is XXXX XXXX XXXX invoice # XXXX. The date of service was XX/XX/XXXX. 
XXXX collection number is XXXX at XXXX XXXX XXXX ext XXXX Claim # XXXX service date XX/XX/XXXX. My XXXX Account # is XXXX My XXXX card # is XXXX. I am requesting that XXXX or XXXX be responsible for this bill since neither of them notified me that I no longer had this medical coverage. Had I know this, I would have went to a straight XXXX provider for medical assistance. Please send me a response back in the mail at my address : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX My phone number is XXXX XXXX XXXX Thank you.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OR)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2015-09-26
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (TX)

Resurgent is reporting twice on my credit reports. Resurgent is also known as LVNV funding and is the same company.. I have a resurgent and lvln account on my profile for the exact same thing. They are double reporting on my credit report which is in violation of the FCRA, Furthermore they are reporting these as loans and this company did not take over the loan nor did I sign loan contract with them, they should be reporting as a " Debt Buyer '' as they are n't a lending company or financial institution.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (TX)

I previously had an identity theft situation XX/XX/XXXX, which resulted in accounts being opened in my name for several different businesses. One in particular was for XXXX, for the amount of {$510.00}. That bill went to collections XX/XX/XXXX, and once I found out about it, the matter was disputed with the collections company and the chargers were removed from my credit report as it had been determined the account was opened fraudulently by someone who used my identity. I filed a FTC affidavit which assisted me in the removal of the charges as well as to have a Fraud Alert placed on my credit file for all XXXX credit companies. 

Now fast forward to XX/XX/XXXX and once again my identity has been stolen and the person used that information to once again re-open another account with XXXX in my name that has again hit my credit report for the amount of {$190.00} that has been left unpaid and now is in the hands of the collections company Convergence Outsourcing. I have submitted to XXXX via fax a Fraud packet on XX/XX/XXXX and have yet to hear back from them. I also contacted the collection agency and asked for this charge to be removed, and they were to send out to me a fraud packet that I have yet to receive. I have also contacted the credit bureau that the charge appeared for and disputed that as well. In addition, I have refiled another Identity Theft Affidavit along with another Police Report in regards to the Identity Theft. I also would like to know how could such a situation happen again if I have placed a Fraud alert on my account in which if any credit or services are attempting to be open in my name, the business are to contact me directly, which appears not to have taken place by XXXX after the first incident happened. I will look forward for any assistance you can offer in regards to this matter. 

Thanks, XXXX XXXX.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (IL)

Trying to avoid foreclosure-Servicing rights transfered to Green Tree LLC byXXXX Bank. Not eligible for Harp or Hamp I am told- What would really help is '' Mortgage Debt Reduction '' with new 40 year terms and 2 % interest which couldmake modification payments reasonable and manageable.
Consumer complaint received 2016-01-19
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

We applied for a mortgage with USAA. They repeatedly lost documents we sent to them. They sent us confusing and conflicting requests. For example instead of saying 'can we have a lease agreement for your rent ', they asked us for bank statements, then those bank statements were n't good enough, then they asked for a letter from the landlord, not good enough and so on. This happened with pretty much every bit of requested information. Their 'notice of incomplete application ' was inaccurate as it included many of the things we already sent. We would try and call 20+times a day and got no answer. They could n't read XXXX orders ( despite being a bank for service people ), they could n't read the condo pack that contained the flood insurance and instead claimed we failed to purchase it. As the Power of Attorney for my fiance as he is at sea and has sporadic internet connectivity I was not contacted ( despite chasing the application up for weeks ) until 5 days before the notice of action was due to expire. I asked for management to contact me, they refused. I reported it to Social Media, who apparently escalated the complaint but it was ignored. Finally I got in touch with a wonderful man who processed my complaint and also went through my application and realised that we had everything that was being asked for ( most of it was forwraded again as they had previously been sent but misplaces, misfiled or misread by the processors ). It was the last day to get everything signed off before the application would be closed. The manager of the processing team assured this agent that she would call me. She then messaged him to say she would in the morning and would deal with the outstanding documents. Instead of doing this she proceeded to close the application. We are already a week over out closing date and now are likely to be up to 45 days over again as we reapply, possibly again with garbled explanations of what is required, poor communication, lost documents and issues with us being overseas ( something that would n't have been a problem had they processed things properly. We have been thoroughly mistreated and as a result not only face stress and financial hardship but will potentially lose our earnest money and even our home, thanks to their handling of this matter.