davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-16
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 dispute this Item  XXXX   XXXX  : Account  XXXX  Amount {$250.00}. please deleted this item TransUnion. TransUnion did not compile with the State Attorney General  Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately  disclose to the consumer : 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 dont 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. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is   hereby requested as well, to be provide within 5 days of the completion of your reinvestigation.
Consumer complaint received 2017-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (GA)

Hello, I am  XXXX  and receive  XXXX  from Social Security. Due to financial hardships as of late, I can no longer paymy car as I use. I am months behind. And I thought I would have been able to be done paying this car loan by now but I have not been able to. The car has developed lots of issues, in which I have been paying to get fix. My  XXXX  source of income is Social Security, in which I get {$1100.00} a month. I pay {$600.00} towards rent and take care of my grandson. I use to have {$260.00} saved every month to put towards my car but for the past month I have been having lots of issues. I have spend over {$3000.00} on fixes on the car, money I do not have but have been borrowing to get the car fixed. I have had to pay this debt. And it maybe in vain since this car payment is so far behind, it has been marked for repossession.     I wrote a complaint before about charges I did n't understand from  Santander an d trying to see where I am in my payments. I do not have acess to online to track my payments etc ... I would like access. I would like to figure out payments and work a deal. This is my only means of transportation. Being that I have no credit or means of getting another car. My birthday is  XXXX   XXXX  this month and I would like that as a gift if we could work something out and I get to keep my car as a gift. As of today, I am so far behind, I know I wo n't be ablt to catch up.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It 's over th e 7 y r statue but they continue to report that I 've made payments then stopped like a few months ago when I have not made any payment since  XXXX   XXXX  then they put someone else 's debt on my report when I ca ll I co ntinue to be told someone will call me back but never does and when I ask for proof of all theses payments there saying I made I get a run around yet on the credit report there stating it was charged off in  XXXX  when that is not true it was charged off in  XXXX  this account was opened in  XXXX / XXXX / XXXX  and should be removed off all my credit reports by now or this year not  in 2 m ore yrs t
Consumer complaint received 2017-06-07
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: CITIBANK, N.A. (PA)

XXXX sent me dispute results and a credit report. The results from the dispute are inaccurate. The dates on the dispute results and on the credit report are not the same. The representative on the phone provided me with different dates as well. The negative items should have been removed from my credit report by law. XXXX representatives are placing the blame on the companies, stating that the companies are reporting the information inaccurately. ( Macy 's and DSNB American Express ) If XXXX just monitored the information reported, they would clearly see that the dates reported have changed. This is Fraud.
Consumer complaint received 2017-05-16
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: REGIONS FINANCIAL CORPORATION (AL)

Starting in  XXXX    XXXX   I applied for a loan to build a house with regions mortgage in  XXXX  Al  XXXX  and the person I started with was doing a good job with the process of get every thing done in a timely matter. Then she left the company and I got passed on to someone else that was doing a great job with process also and then he left the company and I was passed to a  XXXX   XXXX  who has did nothing since I have spoke with her but lied as if she is working on my loan. So I asked to speak with her manager  XXXX   XXXX  and she did call me back after I called her abo ut three times and left a voice message on my phone. I called her  back and left a message for her to call me back. In the message she said she would me Monday the  XXXX  so I called her again. NO CALL BACK. My credit is good and I have my own money for my down payment. It 's now  XXXX  and still I 'm at phase  XXXX  so all I can say is maybe they do n't want to help me. So please tell me what do u call this issue that I 'm dealing with.
Consumer complaint received 2017-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX   XXXX    XXXX  , My mortgage company I am working with, sent over a rescore of my credit after paying off all my credit cards.      XXXX   XXXX ,   XXXX  , my report came back that my current, credit cards were updated with a  XXXX  balance but at this point when  XXXX   XXXX  updated my account to a  XXXX  balance ( I was not behind before this ) they put on my credit report that I was 60 day delinquent. Which stopped my mortgage process and I lost my chances at the house I was about to put a contract one.     I contacted back my mortgage company and she stated that I had to contact the CC company directly to ask them to up date the process. I went through an emergency appendix removal so I was n't able to call right away.      XXXX   XXXX  contacted  XXXX   XXXX  to open an investigation for incorrectly posting to my credit report that I was 60 days behind. The cust service woman who spoke with me told me that it would take  10 busines s days for the investigation to be completed.      XXXX   XXXX  I called  XXXX   XXXX  back as I had not received a letter or call back. The woman who answered the phone stated it would tak e 60+ days  for the investigation and that I would just need to wait. I was transferred to a Sup,  XXXX , and he stated that he would check on my dispute. However, nothing has been done with the dispute. He stated that he would be escalated it higher. However this will still not be completed in time as he stated it would still  be 60-90 days before  my credit report.     In the mean time my application for my first home will have been declined due to  XXXX   XXXX  negligence. I am a single mother and need a safe clean place to live. I need this resolved immediately.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc. (FL)

I sent a certified letter that the debt they are collecting is not mine and I have gone through this issue already with the original debtor and other credit agencies. I told them to stop contacting me, but they continue to call my multiple times a day at my home, on my cell, to my office ....
Consumer complaint received 2017-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On  XXXX / XXXX /   17  I spoke with a representative of the company who would not provide their name upon request. I simply asked to not be contacted as the debt in question is time barred and out of statute. The representative would not provide their name and indicated they would only honor a cease and desist request in writing. Upon my repeated requests to have my account marked cease and desist the representative transferred me to a supervisor. Upon speaking with the supervisor I was advised that the debt is indeed out of statute but that my verbal cease and desist request was insufficient and I would need to submit the same in writing. Additionally all other inquiries I made were met with a response that I can check online resources.     Prior communication had resulted in a hostile phone conversation wherein the representative refused to provide his name as well and became aggressive upon my advisement that I would be terminating the call.
Consumer complaint received 2017-05-16
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (TX)

This student loan was taken with   XXXX   XXXX   in   XXXX   XXXX  . It is a    XXXX   XXXX   XXXX   wh ich could have and would have been handled through a bankruptcy on me   XXXX   XXXX  . Over the l ast three month s I asked and received from them the original loan application because it has been years since establishment. I have attached files which include my letter to  NAVIENT  and an offer to settle. In addition, the promissory note is included by  XXXX  pages.     By virtue of their rules,  NAVIENT  failed purposely to follow their rules by not speaking up when the bankruptcy was begun. They were notified. Student loans are automatically declared unable to be discharged under bankruptcy without question ; however, NAVIENT knew their loan was qualified to be discharged under bankruptcy. The   XXXX   XXXX   XXXX   XXXX   is a quietly kept secret from bankruptcy attorneys.     NAVIENT sent me a letter   XXXX   XXXX   XXXX   " We 've recently been notified that your bankruptcy case has concluded. Bankruptcy does n't always discharge student loans, and because your loan shown above was n't discharged, you remain responsible for repaying the entire remaining balance. '' I no longer work.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

I do not have a contract wit h Enhances Recovery Company in the amount of {$1000.00}. I am not liable for collection of this debt from  XXXX    XXXX   XXXX . I am not responsible for this debt and would like it removed from credit report!! I have been contacted by this agency on numerous cases threatening me.
Consumer complaint received 2024-08-26
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. (TN)

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I have provided my photo ID along with the other required documents.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2017-05-16
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. (FL)

I dispute these Item XXXX XXXX XXXX : Account XXXX Amount {$5000.00} not more than three payments past due. Please delete the amount of {$5000.00} and not more than three payments past due must be deleted. XXXX XXXX XXXX : Account XXXX Amount {$5000.00} I was never late on this Account : XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, XX/XX/XXXX for 30 days, and XX/XX/XXXX for 60 days, and XX/XX/XXXX for 60 days. And please remove all date of these late payment must be deleted Equifax. Equifax did not compile with the State Attorney General Settlement Agreement and 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 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 dont 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. According Section 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receiptby him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. The description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within 5 days of the completion of your reinvestigation
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Consumer Name : XXXX XXXX XXXX DOB : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of [ XXXX ] with a balance of [ XXXX ], [ XXXX XXXX XXXX  ] with a balance of [ XXXX ], [ XXXX XXXX ] with a balance of [ XXXX Account number and {$140.00} amount owed ] These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint [ XXXX ] as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an XXXX  group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX