davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-19
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I disputed the below accounts with Transunion on XX/XX/2015 but they never responded to my disputes. I disputed that the following accounts are not reporting correctly. 
XXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXXXXXX Balance : {$96.00} XXXXXXXX XXXX XXXXXXXX Balance : {$2.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (WA)

In XXXX of 2015, a company called Roundpoint acquired the mortgage on my rental house. During the transition of payment from XXXX to Roundpoint I had been instructed by Roundpoint on how to set up our monthly payment on Auto pay. I was at that time paying automatically through my online banking with XXXX to make this monthly payment to XXXX. The process I followed did not get completed properly and my XXXX payment did not process. I was not aware of this until notified in XXXX of the missed monthly payment for XXXX. When this was brought to my attention, I immediately made payment to Roundpoint for the XXXX and XXXX payment simultaneously bringing my account current. This unfortunately did not forgo them reporting me as being 30 days late to the credit bureau for missing the XXXX payment. I contacted Roundpoint to explain what happened and that this was an error on my part but was in no way being negligent in my obligation to pay. After their further analysis of the situation, although they understood the circumstances, they told me that their reporting was justified and that they would not change their reporting to the credit bureau. 
I am hoping that you will consider these events as out of the ordinary as I have excellent credit and have a history of paying my bills on time. When you look at our history of payments on this mortgage, you will not find a month, prior to XXXX 2015, where we missed a payment. We also receive $ XXXX in rent for this property and have ample funds to make the payment. 
My complaint here is that Roundpoint would not make an exception and realize that this reporting should not stand and affect my business expansion capabilities. They were not quick to help, they were quick to let me know that they reported properly and that nothing I could say do or dispute would change that. They were only quick to let me know that they did everything right.
Consumer complaint received 2016-03-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Admin Recovery, LLC (TX)

Admin Recovery LLC repeated phone calls to me trying to get a message to my sister who owes debt. They called me on 3 separate occasions. The last time they called me was from phone number XXXX and only 10 minutes after they called me from their other phone number. 

They kept calling even after I told them the first time that I do n't keep in contact with the debtor. I would have told them to stop calling me and that I do n't keep in contact with the debtor the second time ( less than a month after their fist call ), but they hung up on me mid sentence. 10 minutes later they called me for the 3rd time. So I decided to file a complaint. 

They are calling family members multiple times over a debt of a relative.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I have a Federal tax lien that was released, reporting on XXXX and Transunion. According to everything I have read on the laws, released tax liens must be removed within 7 years of the filing date. I have disputed this with the bureaus, as the filing date was more than 10 years ago. XXXX removed it. XXXX and Trans Union have neglected to investigate it properly and remove it. The credit bureaus keep violating my rights as a consumer to have fair and accurate credit reporting.
Consumer complaint received 2015-07-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PR)

Hello, My Morgtage has been sold to Rushmore Financial Services. This was sold to them when XXXX left the market. Immediatly they law suit me for the amount of XXXX of the principal amount of the morgtage and want as a settlement 35 % of the amount owed plus all the interest accumulated. I personally thinks is fair, but what motivate me to contact you guys is becasue they are not flexible and expressed that they just want to aquire the home to built their house portfolio. That was the statement from XXXX XXXX from loss mitigation personnel. The phone number is : XXXX
Consumer complaint received 2015-05-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Hello, Simply I contacted XXXX to ask them to reinvestigate several hard inquiries on my credit reports. When they got back to me, they stated that I did authorize the hard inquiries, I asked them to provide proof of this and they will not. I ask that you guys aid me in having XXXX completely remove the hard inquiries for lack of proof.
Consumer complaint received 2015-07-14
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Phoenix Financial Services LLC (IL)

Representative claimed that they had sent numerous letters, which I had never received. When I told him I wanted debt validation and verification before I spoke with him about anything, he began to use a child version of my name in a very sarcastic and derogatory manner. Then he said if I refused to enter an agreement NOW, he would send letters to my employer about the debt! Now I 'm fully aware this is illegal and I 'm sure he is as well. I started to ask his name but he hung up the phone. I called back at the number but spoke with a woman who apologized for him, which is simply not good enough. I told her I wanted debt validation and verification and if she would give me an address, I would send her a letter asking for exactly what I needed. She never gave me the address and said they would not call again. Later in the day, there was a letter from their collection agency but there was no debt validation, no proof of their legal obligation to collect, no proof of them being legally licensed in the state of Missouri to collect any debts. There was a name of the supposed original creditor but no date and no reason for the debt so I have no idea if it 's mine or if it 's valid.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXXXXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-03
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. (OR)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :
Consumer complaint received 2015-09-28
Product: Credit card — 
Issue: Late fee — 
Company: WELLS FARGO & COMPANY (CO)

I have a business credit card with Wells Fargo bank. XXXX this year they have held my payment until it was past due and then charged me a late fee and finance charges. The statements in question were due on XXXX/XXXX/2015 and paid on XXXX/XXXX/2015 and XXXX/XXXX/2015 and paid on XXXX/XXXX/2015. On both occasions I called and complained because it appears the payment I make are being held until the XXXX of each month, before they process them and I am told on XXXX occasions that is when they were received. I live in XXXX and the processing for Wells Fargo is in XXXX XXXX. Mail service generally takes 3 days for delivery between XXXX and the XXXX, yet some how no matter when I send the payment it is not processed until the XXXX of the month. Wells Fargo has denies any wrong doing, but has refunded the late fees, but refuses to refund the finance charges of {$3.00} and {$1.00} from these XXXX incidences. I have had enough of this banks practices and hope your agency will look into these questionable practices. They have told me I could give them access to my checking account so they can make direct withdrawl of funds or I can pay the bill at one of their banks, but they do not recommend sending a check through the mail anymore. I should not have to go out of my way to make these payments because of their practices of holding payment checks until the XXXX of the month even though it was sent in plenty of time before due. I have XXXX accounts with Wells Fargo and I am going to seriously consider changing banks after 20 years of banking with them.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

Did not investigate and report properly, I have been disputing this file/account for 6 months. Reporting high balance at {$3800.00} Reporting Recent balance at {$3900.00} how can the recent balance be more than the high balance. 
where is the last payment made reported? 
1st date of delinquency 1st major time of delinquency
Consumer complaint received 2024-11-23
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have a XXXX auto loan and it's reporting late payments that should not be there. My due date is the XXXX of each month and I have bank statements as well as loan statements that show my payment was collected and applied before XXXX  days.
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has been provided with information regarding XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX. They continue to report inaccurate information on my report. They stated it proof of debt was verified. However, that would be impossible ; I sent them copies of all evidence that it is not accurate including proof of when my lease ended, what my move-out report said, emails between myself and the original leasing agents, and a copy of the date my new lease started. Both companies are deceptive in their reporting and have not done their due diligence in resolving the legitimacy of this account.
Consumer complaint received 2024-11-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (IL)

Caller from XXXX has called XXXX times in the last XXXX minutes. She said she is from Consumer fraud and someone applied for a Sam 's Credit Card in XXXX in my name. I don't live in XXXX She wanted information from me to fix it and asked if I wanted to decline the card. I hung up each time. She continues to call for my own good.
Consumer complaint received 2024-11-23
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. (NY)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-18
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - Balance {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Date opened XX/XX/XXXX - Balance {$7000.00} XXXX, XXXX XXXX XXXX # XXXX - Date opened XX/XX/XXXX - Balance {$1400.00} Unauthorized Inquiries 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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts within 4 days : XXXX XXXX bal. {$24000.00} XXXX XXXXXXXX {$3200.00} XXXX XXXX XXXXXXXX {$350.00} XXXX XXXXXXXX {$300.00} XXXX XXXX XXXX {$210.00} XXXX XXXXXXXX {$3700.00} XXXX XXXX {$610.00} XXXX XXXX {$1200.00} XXXX XXXX {$1000.00} XXXX XXXX {$640.00} XXXX & XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$790.00} XXXX XXXX  XXXX {$0.00}
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I traded in a vehicle on XX/XX/year> that was financed through Toyota Financial Services. I have a purchase agreement with my new vehicle through XXXX that included my trade in vehicle. However, I have a late payment on my account for XX/XX/year> from Toyota Financial Services, even though my previous vehicle was traded in before the due date ( XX/XX/year> ). I called both XXXX and Toyota Financial Services. XXXX gave me proof that they had sent the check for the trade in the very next day ( XX/XX/year> ) which included a tracking number. I followed up with Toyota Financial Services and they had told me that once the check from XXXX was cleared, they would take the late payment delinquency off of my account. However, I still have a late payment on my account and both parties claim that they have done their portion. I filled a dispute through XXXX, and while they have closed the XXXX account as off XX/XX/year>, they have not taken the delinquency off my account. My credit score has dropped over XXXX points because of this and I have never made a late payment on ANY of my credit accounts.
Consumer complaint received 2016-01-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: BlueChip Financial (IN)

I initially took out a {$600.00} personal loan with the online company named Spot Loan. I defaulted on the loan, and I began getting harassing phone calls from numerous identified phone numbers with all of my personal information. I contacted Spot Loan to find out what the situation with my loan was. They informed me that they had sold my loan to a third party debt collector. When I asked to whom they sold it to, they vaguely gave me a name of a company called XXXX and the phone number XXXX. They still to this day have n't given me a mailing address. When I called the XXXX number, there is a recorded message saying to leave my name, number and loan information and someone will return my call. I received a call from numerous out of state phone numbers, XXXX lady claimed to be calling me back from XXXX. She said they sold my loan to a company called XXXX XXXX XXXX phone number XXXX. I called that number and I was told my loan was sold to XXXX XXXX XXXX at XXXX. I called that number and it was a recorded message about taking a travel survey. So basically, I was at a dead end with no answers In the mean time, I was receiving harassing phone calls from XXXX and XXXX claiming to be calling me from a company called XXXX. ( XXXX ). I XXXX all of these companies and none of them are legitimate debt collectors. These calls from XXXX. were threatening to serve me papers, and they were telling me that I would be going to court for check fraud. I told them to serve me then, and that I knew by law that they had 5 days to send me verification of the debt by mail. They refused and we 're demanding my bank account information for a payment. I refused. I understand that I have an outstanding debt, but nothing about this is the legal way of collecting it. This company Spot Loan obviously sold my personal information to a scam third party for whatever profit they could. They should be held accountable, and if they supposedly sold this loan legitimately, they should be able to provide more information to whom ... .most importantly a business address for the company that they sold it to.
Consumer complaint received 2016-03-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Radius Global Solutions LLC (GA)

HELLO this is the second time i contact cfpb about a collection company attempting to collect on this account that i do not owe for XXXX XXXX XXXX XXXX this company like the one before reported me without notice and without allowing me my right under fair credit never heard of them and now they are reporting me this is a continued harassment by XXXX and its collection companys I AM THEREFORE SUBMITTING THE DISPUTE LETTER THRU CFPB SINCE I NEVER HEARD OF THIS COMPANY
Consumer complaint received 2024-10-03
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. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-01-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

I requested my free annual credit report from the XXXX companies but was able to only access XXXX ( XXXX ) and it was full of incorrect information, appearing as if me and someone else got their credits combined. I called XXXX to dispute the information and they started an investigation. I was unable to get a report from XXXX and Experian because the security questions they asked me to access that information was full of information that I did n't know ( such as addresses in Florida that I never lived at or account numbers from someone else ). It does n't appear that my credit was tampered with or anything stolen but obviously there is a big mix-up. Help!