davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-01
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC (FL)

During the purchase of our first home, we went with XXXXLoan Depot because they were a preferred lender for our builder. As first time home buyers we put our trust in many people including XXXX to explain the process fully and completely. However, throughout the entirety of getting this mortgage there were many failures, including lack of communication, lack of explanation or even correct explanation. There were many times we had to seek an explanation from another lender and XXXX  ended up being wrong. However, none of that compares to the final straw that is a bona fide violation of CFPB and TILA regulations. 

We received our final CD on XX/XX/XXXXwhich triggered our 3 day wait to close. There was already a glaring error in the amount of our earnest deposit. We were basically told " it 'll be fine. '' The night before we were scheduled to close, as our title company and lender were busy balancing the monies, my title company discovered that our CD had a doc stamp fee of {$1800.00} on the seller 's side when it was supposed to be on the buyer side.

I found out from my realtor and then my lender called. He explained the error and then proceeded to ask me if we had the funds to cover that amount. An amount that was not disclosed to us as our responsibility on the CD.  Our loan officer tried to pass blame to the title company and said that XXXX would not cover the whole amount. 

On the morning of closing, this issue was still not resolved. Allegedly, the response from XXXX XXXX corporate office was that they would not do a cure credit. At all. Our closing was 6 hours long because my lender and title company spent half of a day arguing over whose fault this was. XXXX then proceeded to " fix '' this issue by sending a new CD wherein they reduced our seller credit by the amount of the error. Thereby covering up their failure to disclose. XXXX refused to rectify their error and my realtor and title company tried all day to get XXXX to realize the CD was wrong and we, the buyer, was not going to pay for this incredibly significant error. XXXX and its representatives were absolutely unprofessional and pretended to make everything ok with a lender credit of {$770.00}. Everything was far from OK. 

In order to close on our house, we did end up having to pay the {$1800.00} and were told we had to sign the CD the lender created that day that improperly tried to cover up their error. Which we did so in protest in order to get the keys to our home. 

XXXX/Loan Depot needs to be held accountable for violating the laws put in place to protect consumers like us. This is simply not ok.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to report an unauthorized account on my credit report, indicating potential identity theft. I have filed a police report and taken steps to protect myself. I have also attached copies of relevant documents, including my credit report highlighting the fraudulent account, as well as any other supporting evidence.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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, Transunion, XXXX, and 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-02
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. (CA)

Applications were done in my name, I don't recognize these fraudulent inquiries nor have authorized them, resulting in my credit report being pulled up by these companies and hurting my credit score. I have contacted the bureau and a representative told me that they would be deleted from my credit report but I still see it, it's adding unnecessary stress in my life.
Consumer complaint received 2017-08-31
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (IL)

No debt is owed. I 've sent a demand letter by certified mail with delivery confirmation to Allied Interstate, LLC who is registered to the harassing number ( XXXX ). The letter contests any debt ( s ) owed and requires the DC cease and desist any further collection activities ( including phone calls ) without written verification of the supposed debt. I have yet to receive any verification of the supposed debt, and I continue to receive collection calls multiple times per day to my personal cell phone ( XXXX ). Allied Interstate, Inc. XXXX business days ( or Thursday, XXXX XXXX, XXXX ) to cease and desist these illegal collection activities or which I will rigorously pursue legal action. Furthermore, the number in question is currently registered on the Do Not Call registry, so any forms of unwanted solicitations are also illegal. 

Calls to date : 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 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I am XXXX XXXX XXXX, and XXXX 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 XXXX Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2017-08-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MD)

I was made aware of a debt owed when I checked my credit report back in XXXX. 

I have called and worked with this company to try and get paperwork together to clear this debt up. 

On XX/XX/XXXX, I contacted the debt collector and asked if we could come to an agreement on my {$2700.00} debt. The debt is for my daughter, so my ex-husband ( her father ) is also responsible. I was told that I would be given a 20 % discount, making the amount owed {$2100.00}. I told the person that I would send a check the next day for {$1000.00} to cover my half of my debt if it meant my portion of the debt would be paid in full, and that would be reflected on my credit report. The person I spoke to said " We can do that '' and I sent in my check the same day. 

The check was deposited and it was reflected on my account on XXXX XXXX. 

When I checked my credit report on XX/XX/XXXX, it showed that I still owed {$1600.00} of a {$2700.00} debt. 

I emailed the company through their website on XX/XX/XXXX, asking why the amount was incorrectly shown on my credit report. No response from the company. 

I called the company on XXXXXX/XX/XXXX I spoke to a supervisor named XXXX who said " We ca n't do that '' and informed me I was still responsible for the debt! He said he was going to listen to the audio recordings. I asked him when the recordings showed I was telling the truth if they would honor the agreement I made with the company, and he refused to answer me.
Consumer complaint received 2016-12-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Consultants of California (OR)

I 'm having a serious issue resolving a collections account with a balance of {$810.00}, reported by XXXX. The outstanding balance was reported on XX/XX/2011 and last reported on XX/XX/2011. During this time, I was still in XXXX, Texas where I was stationed for XXXX, and still covered by XXXX. I am not responsible for this debt, nor do I recollect ever being at a XXXX or receiving a bill for this amount for any XXXX treatment. This was falsely and unfairly reported and wish for this to be removed. The Debt was sent to be collected by COLLECTION CONSULTANTS OF CALI.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: HUNTINGTON NATIONAL BANK, THE (PA)

I obtained my annual credit report XXXX/XXXX/XXXX. Upon reviewing I noticed I have XXXX inquiries that are affecting my score. I have been car shopping for the past few years but never would have thought this information would have been shared with whomever they wanted ... ... ... I will list these below. I first called XXXX today XXXX/XXXX/XXXX who gave me the protocol to request to have these inquiries removed. I then attempted to call the next group of creditors that had access some how to my report, XXXX-store cards?? I called and spoke with a rep who failed to tell me I was speaking with the fraud department. After speaking with her I explained why I was calling. All I requested per XXXX was an inquiry deletion letter. She proceeded to repeat to me all she could do is file an investigation for identity theft, that is the only way for these inquiries to be removed. She stated I would need to contact the credit bureau for further information as that is all that they could do. I then asked her if she could give me a date as to how long this would affect me and all she kept repeating was sorry we do not have a time frame to again call the credit bureau. I then again called XXXX and this time spoke with a supervisor and he repeated the same protocol. I explained I am aware but what am I suppose to do now ... ... .he stated to obtain a police report for proof they could not give me the inquiry deletion letter and submit this to them to then be reviewed to see what they could do???? I believe this is unnecessary as I am trying to buy a house and I can not even get the first group of inquiries deletion process started as no one neither the company nor the credit bureau can help me!!!!! How can any of which hold my information but not assist me? PLEASE HELP! XXXX XXXX XXXX? 
XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Finance XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX Svs XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Co XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX bank 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 bank XXXX/XXXX/XXXX XXXX XXXX Bank XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX bank XXXX XXXX/XXXX/XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO Dual Card XXXX
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-02
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. (TN)

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION oXXXX XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-08-29
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. (MD)

I 've reached out to TransUnion several regarding a tax lien which had been satisfied and is still showing on my credit report verified as accurate. I 've made several phone calls and provided documentations as proof that the information listed is not accurate. Theyve investigated, so they say and returned with the same results " verified as accurate ''. Customer service representatives including one supervisor I spoke with were very dismissive and I do n't believe any investigation regarding the accuracy of the tax lien was done. This credit bureau was quick to put information on my credit ; however, when there is time to remove/update there seems to be a problem. A customer should not have to deal with this issue.
Consumer complaint received 2024-09-02
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. (GA)

Please block this information from my credit report within XXXX business days pursuant to section 605C the Fair Credit Reporting Act. Please send me a notification the actions taken. I appreciate your prompt swift attention to this important matter. Thanks, XXXX XXXX
Consumer complaint received 2017-08-29
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Go Capital Holdings, LLC (TX)

I was coming home earlier this month maybe around the XX/XX/XXXX or XX/XX/XXXXand was greeted at my garage door by a repo man. He stated that he was here to take my car. I told him I paid my payment on XX/XX/XXXX and that I did n't have another payment due until XX/XX/XXXX. He stated that he had been instructed to pick up my vehicle and that he would be calling the cops if I did n't give it to him. I told him to call the Police and we could wait together. I asked him to leave my property ( he was in my garage ) and he declined. I advised that I would be calling the cops if he did n't get off my property. The man got in his truck and sat on the side of my house for about 15mins. The Police that he claimed to have called never showed up. 
The next morning, I called Go Financial they stated that they had been instructed by XXXX not to accept my payments. I was confused because XXXX is a dealership and Go Financial is my finance company. Go Financial told me I would need to speak to XXXX and I was then transferred. XXXX stated that there was a problem with the payment for downpayment. I advised them that due to death in my family there was an oversight. I offered to pay and they declined. They told me I could n't make any sort of a payment on the account with Go Financial. I asked for a supervisor and was told the same. I called back on XX/XX/XXXX and asked for a supervisor and asked if I could make the payment. I re-explained the situation and was told no. I asked them why they were forcing me into default and they stated that they would need my van. I told them I have worked hard on my credit and I did n't want a repo and that I would like to pay. They declined again. To date they still will not accept my payment and they are forcing me into default. I am willing and capable of making payment but they will not take it.
Consumer complaint received 2024-09-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

ive been a victim of ID theft and ive tried multiple times to dispute these items off my credit report however transunion, XXXX, and XXXX will not remove these items, its been more than 30 days since i sent in my disputes, i wish to have these items removed ASAP, enclosed with this complaint is my ID theft report
Consumer complaint received 2017-07-13
Product: Credit reporting, credit repair services, 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. (TX)

A computer glitch that was TransUnion 's problem caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I have contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added and was denied. These inquiries add a hardship and my rights were violated by TransUnion.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.
Consumer complaint received 2017-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

After recently pulling a copy of my credit report I notice that the credit bureau is reporting an account from family support division on my credit report in which I disagree that this account belong to me I believe that this could be a mixed file with my son who has the exact same name as myself. I disputed this account declining any automated response or XXXX   verification in which is unacceptable. I demand that they disclose to me all of the recorded documents retained in their file as of today 's date. Under the Fair Credit Reporting Act 15 U.S.C. 1681g. Not only did they ignore my request but they responded saying verified and refused to send me copies of any physical documents. When I called they informed me they are not required to which is false information and they have refused to remove this account. Unless irrefutably proven, physically to be fully XXXX XXXX compliant and current, true, correct.completely timely, mine, of my responsibility or else mandateoper reporting laws of my state and or federally absolutely no adverse derogatory allegations can be lawfully retained much less legally reported as such. This account remains unproven, noncompliant and or unverified.
Consumer complaint received 2017-08-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX shows on experian. I sent in proof to other credit reporting companies as well and the debt was removed from all but experian. The debt was not mine. I have lived at this address for XXXX years. The account is supposedly XXXX XXXX, which I 've learned is a gas company out of west Virginia. I have not lived in Wv nor have I had any utility services for somewhere I did not live. The next is XXXX XXXX for XXXX XXXX. XXXX  and XXXX as well as XXXX XXXX removed the account from my reports. It is still showing on experian. XXXX XXXX did not respond.