davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, FL XXXX Date : XX/XX/XXXXXXXX XXXX NAME : Transunion Consumer Solutions Address : XXXX XXXX XXXX XXXX PA XXXX RE : Letter to Remove Inaccurate Credit Information To Whom it may concern I received a copy of my Credit Report and found the following items, to be in error : ( dispute item and explanation ) 1.- following personal information is inaccurate ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX Please ( remove / update ) this account from my credit report Please ( remove / update ) this account from my credit report By the provision s of the Fair Credit Reporting act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor cant verify. I understand that under 15 U.S.C. Sec 1681i ( a ), you must complete this reinvestigation with 30 days of receipt of this letter. Please send and update copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notice of corrections to anyone who received my credit report in the past six months. Thank You for your time and help in this matter, Sincerely, XXXX XXXX XXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

THIS COMPANY IS REPORTING FALSE INFORMATION AND ITS DETRIMENTAL TO ME AND MY FAMILY XXXX XXXX XXXX IS REPORTING THIS CAR AS A REPO AND ITS BEEN PAID FOR TWICE IN FULL ONCE BY ME THEN THEY REPOED THE CAR AND SOLD IT AT A AUCTION. I NEED MY CREDIT REPORT UPDATED TO PAID IN FULL!!!!!!!!
Consumer complaint received 2017-06-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (NV)

I received a communication via mail in XXXX XXXX. I called on the XXXX to respond and request debt validation that I am allowed. The bill was for a gas company. A {$400.00} gas bill seems to be completely insane! The residence claimed is a single family home, how could a gas bill get THAT high? There has to be a mistake I originally spoke to a XXXX who was excessively rude to me and when I requested that all communication be written, she told me that meant a cease and desist of all communication. I tried to correct her but she would not listen at all! I requested to speak to her manager but she transferred me to a voice mail. I called back and got a hold of a XXXX who also refused to find a manager for me to speak too. I called back again and got a hold of XXXX who pretended like she had never spoken to me. I finally got a hold of XXXX ( a presumed manager ) on my 4th time of calling in. He talked over me and had an attitude about me requesting that he be polite. He refused to send me debt validation and told me I had to write in. No other collection agency does this. If you call in, they all will send out the required validation as it is a recorded line and it can be proven you request it. I asked him about the type of validation and had no clue what I was referring too. It was clear he does n't know FTC law requiring what consumers are allowed to request. He also tried to force me to admit the debt as mine though again, I havent even received validation! I asked for him to pull the call with XXXX and he just hung up on me. He did n't say he would look into the matter but just hung up rudely. I never raised my voice, but he constantly talked over me as I tried to explain the issues.
Consumer complaint received 2024-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX  XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX 
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Was checking  my credit report found an account of a credit card that i never owned showing in the negative on my credit report. The credit reports show the card was issued by XXXX XXXX XXXX (XXXX XXXX XXXX #XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: CREDIT CARD
Balance: $XXXX
Date Updated: XX/XX/XXXX
Payment Received: $XXXX
High Balance: $XXXX 
Credit Limit: $XXXX
Pay Status: Current; Paid or Paying as
Agreed
Date Closed: XX/XX/XXXX
Delinquency of 30 days in XX/XX/XXXX and in
XX/XX/XXXX< I called XXXX XXXX XXXX because i have no knowledge of this account nor the negative report on my credit. I called the XXXX XXXX XXXX credit card company  was told by the credit card dept that they do not have anything in their records showing that i ever had a credit card with them and there was nothing they could do ( spoke with representative XXXX from the Arkansas XXXX XXXX XXXX credit card department) I need this problem and error fixed and my credit report corrected.
Consumer complaint received 2024-10-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (MI)

Pnc bank cashed a check that was stamped void, incorrect signature, check number not existant, no watermark, and for a company that does not exist and they are telling me i need to wait XXXX  days so tey can " investigate when clearly its fraud and should never have been cashed in the first place
Consumer complaint received 2017-06-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ROC Asset Solutions, LLC (NV)

On Monday, XX/XX/XXXX 2017 and man by the name of XXXX XXXX called multiple acquaintances and family members of mine, leaving them voicemails with claims that he was calling to resolve " Allegations made against me ''. When he was able to reach one friend of mine, XXXX XXXX, XXXX XXXX identified himself as an attorney. When I called XXXX XXXX to find out why he was harassing my friends and family, he gave false amounts owed and originated on a business loan taken from XXXX Additionally, he gave multiple indications they would be filing a lawsuit against me and indicated different timelines. This individual and company is harassing both myself and my friends & family and is falsely identifying themselves as attorneys and leaving derogatory voicemails indicating that I am facing some sort of legal allegations. His voicemails were ambiguous as to lead one to believe I was facing some sort of criminal allegations. They unnecessarily concerned my friends and family.
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  has not updated the payment status on   XXXX    & T ransUnion to paid.  XXXX  is still reporting " Bad debt & placed for collection & skip '' The balance is  XXXX .
Consumer complaint received 2017-06-27
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc. (AL)

I have tried to get this loan modified by the company and other resource and this company Santander will not let me do anything. the interest rate is 19.08 % We got this truck in XXXX of XXXX and now it XXXX XXXX and we still owe XXXX on this truck and we have tried to get it refinance and everything no one will refinance cause of the interest rate is so high. I have tried on several occasional to get my interest rate lowered I haved tried to get everthing done but this company will not do anything to help us. My husband is a XXXX XXXX and we are finialy strap cause this truck payment is so upside down till no one will touch it.
Consumer complaint received 2017-06-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc. (NC)

I have corresponded with this company multiple times and each time I 've told them this is n't my debt and I 've requested validation as well. They recently sent me what they deem validation but it does n't belong to me. It 's a copy of a  XXXX   XXXX    XXXX    check where she paid  XXXX   XXXX   XXXX  a {$10.00} payment. I 've never lived in Texas and my name is n't  XXXX   XXXX . With all the identity theft going on they 're not careful enough to protect other people. It also has an address I 've NEVER heard of or lived at and has some  XXXX   XXXX  as my significant other. The only  XXXX   XXXX  I know of is the   XXXX   XXXX  .
Consumer complaint received 2017-06-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc. (KY)

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA COLLECTIONS COMPANY has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

I have sent Certified letters to all XXXX credit bureaus to have this bankruptcy removed from my credit report and I have received the same response " This item has been verified through a third party reporting agency " I have a letter from the US District Court stating they do not verify to anyone.
Consumer complaint received 2017-06-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (NC)

XXXX, North Carolina XX/XX/XXXX Please I need help with my only residence. I disagree with the decision modification denied. Its not fair, because I had an accident at work. Because in XX/XX/XXXX to XX/XX/XXXX, I not can work, I not have any income. My income reduce to {$0.00}. And now is impossible for me pay {$1000.00} mortgage payment per month. I start a new job in XX/XX/XXXX, with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My health does not allow me to do more physical work. My medical condition, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX and XXXX ( XXXX sent me to the XXXX XXXX Hospital. For XXXX XXXX XXXX, and my health is jeopardized, because I could not solve my economic situation and my dream of having a home will end soon ; for this reason, I am writing this letter, asking for help in mortgage assistant ( Modification ) and lowering my monthly mortgage payments, because my salary is not enough to cover my house mortgage. I applied for NC XXXX XXXX XXXX XXXX I was denied too. I have Court on Monday XX/XX/XXXX. Please help me to review my situation as a humanitarian case. I need your help in this particular Endeavour. Please help me to save my only residence. Thank you so much for you attention and XXXX Bless you.
Consumer complaint received 2017-06-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SN SERVICING CORPORATION (NY)

I signed a land contract for deed. The deal was if defaulted, all prior funds paid, repairs made, and water, taxes, would be lost and converted to a month to month lease. This always avoids foreclosure, Did n't know it was a mortgage. After a short time. XXXX XXXX XXXX got loan or debt servicing many times. and this new company, SN Servicing, XXXX XXXX XXXX, XXXX, Ca XXXX. I never agreed to, or ever paid them a XXXX I had already surrendered the property to the previous servicer, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Co XXXX, to avoid any further obligation, letter enclosed. I left Property in XXXXXX 2016, and now this servicer, after moving, is coming in as a new person to collect a surrounded debt and has placed this on my credit report for owed mortgage balance. The original holding company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc XXXX
Consumer complaint received 2017-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In the summer of XX/XX/XXXX, I was asked to leave the campus of XXXX XXXX University ( XXXX ) in  XXXX, TX due to a XXXX XXXX XXXX issue. I was, at the time, living in a set of apartments on the campus of XXXX that were owned by XXXX XXXX XXXX, XXXX. The property on which the apartments were located was owned by XXXX and so when I was asked to vacate the XXXX property I was forced to leave my apartment due to it being geographically located on XXXX property. I did not do anything to break the lease agreement of the apartment complex and I reached out many times to verify that they had filled my " unit '' to which I could not get an answer from the management service themselves. These apartments were leased out by the room in a " pot-luck '' roommate fashion and so I really only rented out one room or " unit '' in that apartment. Upon my departure, I confirmed with one of my previous roommates that my " unit '' or bedroom had been rented out to another tenant just under a month after my vacating the premises. My last payment to XXXX XXXX XXXX was in XX/XX/XXXX or XX/XX/XXXX but the date that the account was reported to be open on Equifax, XXXX  and XXXX is XX/XX/XXXX. This account has been on my credit report for nearly seven years, in error. I have since received treatment for my XXXX XXXX XXXX, I have been in XXXX from all XXXX and XXXX for nearly 4 years and am currently in the process of getting ready to purchase a home. I discovered that the remainder of the rent that I would have owed if I stayed in that apartment had been reported against me to the credit bureaus, such as Equifax, XXXX and XXXX, and I now have a {$4400.00} charge sitting on my credit report. I have done some research and found that the apartment complex is not allowed to collect double rent on any unit at any time. I feel that these fraudulent charges have been placed on my credit report in error.
Consumer complaint received 2017-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (TN)

I purchased my home in  XXXX  for {$110000.00}. We had a second mortgage of {$10000.00}. I filed Chapter  XXXX  Bankruptcy in  XXXX . My payments were made on time during the bankruptcy. I was paying two payments to the company. One payment for the arrears and  one  payment for the current payment. My bankruptcy was successfully discharged in  XXXX . After my bankruptcy, my mortgage company proceeds to tell me that my balance on my first mortgage is {$99000.00} and the balance for my second mortgage is {$10000.00}. I have written letters, called the mortgage company and was told someone would call me back. I have reached out to my attorney who asked me to contact the mortgage company. I 've tried contacting the Trustee who sent the payments with no response.  <P/> I was willing to work with everyone but now that I have paid over {$70000.00} throughout the plan to the mortgage company, my attorney AND the trustee -- everyone seems to not know anything and are n't trying to rectify the situation. The balance should not be the same as it was 12 years ago, when I have been making continuous payments.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I was notified by XXXX and XXXX XXXX that a hard inquiry was made on my credit XX/XX/year> by Capital One. I did not apply for credit with Capital One. I reported this to XXXX, and they put a dispute on this inquiry. I also reached out to Capital One, and they closed the credit application.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Let me get to the point, I have notified you countless times of the errors on my credit report but to no avail, my repeated requests to have these deleted on my credit is ignored/disregarded which is a clear violation of my rights as a consumer. Your continued reporting of false and inaccurate information on my credit has negatively impacted all aspects of my life, I'm having a hard time securing new credit applications because of your negligence, this is really frustrating.