davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-03
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. (TX)

I have disputed a collection on my credit report with all three credit bureaus. The collection is from the XXXX at XXXX XXXX XXXX XXXX XXXX I have NEVER lived at. I have resided at XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX since XX/XX/2020. I have done everything I know to do including offering copies of my 3 years of lease agreements to prove I NEVER lived at the complex and the {$330.00} collection is not my account. This is preventing me from finding housing. I will be homeless on the XXXX because of this.
Consumer complaint received 2017-08-01
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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (CA)

I had leased a vehicle and paid off all of the dues back in XX/XX/XXXX, returning the vehicle to the dealer. The Hyundai Motor Finance company billed me {$750.00} for the excess wear and tear, that was paid off on XX/XX/XXXX via a check that cleared XXXX XXXX, 2017. To my surprise I find I was reported to the credit agencies as missed my payments for 2 months. This was without any prior communication. My credit was  hit over XXXX points. I tried to call HMF, but they would only say they have no information and I need to connect with their collection department.
Consumer complaint received 2023-06-03
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. (NC)

I am writing to file a formal complaint and seek your assistance in conducting an investigation regarding unauthorized hard inquiries that have been undertaken on my credit report without a permissible purpose. These inquiries violate the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ) ( 1 ), and I request your intervention to have them promptly removed from my credit report. 

Upon reviewing my credit report, I have identified several hard inquiries initiated by these companies. To the best of my knowledge, I have neither provided any consent or authorization nor have any business or financial relationship with the entities associated with these 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 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 XX/XX/XXXX To aid the investigation, I have attached copies of my dispute letters to the credit bureaus and a copy of the F.T.C. report. 

Thank you for your attention to this complaint. I'm looking forward to a quick solution to this issue.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Debt Mediation, Inc. (FL)

On or around XX/XX/XXXX, XXXX sales representatives of XXXX XXXX stopped by my apartment and offered to provide utilities at a cheaper rate than our current provider. I was not home at the time, but my husband refused their services. On or about XXXX XXXX XXXX, I received a notice that XXXX XXXX was my new utilities provider. I contacted XXXX XXXX over the phone to contest the " contract '' and they informed me that they had an oral recording of my husband requesting their services. They would not provide me with that recording and also informed me that the cancellation fee was {$500.00}. On or about XX/XX/XXXX, I received an invoice from XXXX XXXX. At that point I contacted the apartment complex front office and asked them why my utility provider had changed. The complex, XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX TX XXXX, switched me back to my previous provider, XXXX XXXX XXXX XXXX XXXX also informed me that they were filing a complaint against XXXX XXXX and that at least three other tenants had reported similar issues. XXXX XXXX sent me a disconnection notice on XX/XX/XXXX, their last written communication. On or about XX/XX/XXXX, I received a letter from Professional Debt Mediation stating that they were attempting to collect a debt, originating from creditor XXXX XXXX, in the amount of {$470.00}. They also informed me that they would submit a negative credit report, which I have since confirmed.
Consumer complaint received 2017-07-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (FL)

THIS IS IN REGAURDS TO MY MOTHERS HOUSE AT XXXX XXXX XXXX XXXX SHE HAS XXXX I APPLIED AND WAS APPROVED A LOAN MODIFICATION IN XX/XX/XXXX XXXX XXXX SOLD TITLES TO HOME IN XX/XX/XXXX. I SIGNED AN AUTHERIZE LETTER SO XXXX XXXX CAN TALK TO ME .I WAS DECIEVED AND LIED TO. THEY SOLD THE TITLES TO A COMPANY NAMED XXXX XXXX  THEY COULDT TALK TO ME AFTER I GAVE THEM MY CONTACT INFORMATION. THEY STATED THEY NEEDED AUTHERIZATION SO I SENT THEM THAT AND THE STATED IT WAS TOO LATE. I CONTACTED THE COMPANY THAT BOUGHT MY MOTHERS HOUSE I WAS TOLD TO CALL BACK ON XX/XX/XXXX I WOULD LIKE THE FORCLOSED SALE REVERSE OR REDEEMED .THIS PROCESS HAS BEEN UNFAIR I WAS TOLD DIFFERENT MAIL WAS NOT RECIEVED. I WASENT INFORMED ON WHAT WAS GOING ON.IF MAIL WAS SENT IT SHOLD HAVE BEEN CERTIFIED WE LIVE IN A NOT SO NICE NEIGHBORHOOD .IF YOU COULD PLEASE ASSIST ME I WOULD BE GREATLY APPRECIATED XXXX XXXX CONTACT INFO ( XXXX ) XXXX
Consumer complaint received 2016-12-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (AK)

There is no phone number to contact Equifax. They are the only of the XXXX credit report agencies that have a bankruptcy listed and my score is low with them as a result. It should not be there and I 'd like them to remove it and update my score. I 'm in a rush because I have a boiler out in a rental property we own and it needs replacing. I need to get financing. Is it possible for you to help expedite?
Consumer complaint received 2016-07-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (TN)

Our mortgage company has reported us as being behind in our payments. They refuse to speak with us regarding the situation. We asked for a listing of all our payments to them since XXXX. We received the listing and found no payments have been missed. We even had a payment of {$500.00} on XXXX/XXXX/XXXX which was a payment with additional specified to go toward principal. They initially did not apply our payment. We called them to ask where our XXXX was as it was drafted from our bank. They said because it was a balloon payment that we could not make early or extra payments on principal. My husband convinced them to apply it to our account. Now, they have reported to the credit bureaus that we have missed payments again. They have ruined our credit and we are not able to get a loan anywhere else to refinance with anyone else. We had refinanced with our primary mortgage company and paid them a subordination fee of {$200.00} which I see has been charge to and paid by us TWICE!!!! They, Citimortgage refuse to speak with us or resolve this issue. We are prepared to take legal action. Please advise.
Consumer complaint received 2015-08-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (ID)

A loan that was paid off in XXXX 2013 and it is still showing open on my credit report. The company that was servicing the loan is no longer in business. I have a goodbye letter from the lender and a welcome letter from the lender that took over the loan.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX & Account # XXXX, has violated several of my rights. 
15 U.S.C 1681 section 602 AXXXX Cloarly states that 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 an account without my written instructions. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Consumer complaint received 2023-06-03
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. (MT)

In XXXX of XXXX during XXXX I filed an application with Planet Home XXXX XXXX to put my loan in forbearance due to loss wages and time off work due to XXXX. I submitted the application to XXXX XXXX XXXX XXXX, they stated my loan payments that I would miss would be added to the back of my loan when the forbearance was over. In XX/XX/XXXX I sold my home. The loan was paid off in XXXX. 
In XX/XX/XXXX I applied for another FHA loan and was denied as my credit report showed XXXX XXXX XXXX reporting my mortgage 120 days late. I contacted XXXX immediately and stated I was in a forbearance program with XXXX XXXX when I owned the home, the representative stated they didn't process my application until XX/XX/XXXX there for I was considered late. I argued my point that I submitted the application in XXXX but got nowhere with XXXX. I gave up on getting a mortgage in XX/XX/XXXX as XXXX would not remove the XXXX late on my report. I was advised by a lender to wait and apply after the XXXX late was over 12 months old to avoid the stress of fighting with XXXX. 
XX/XX/XXXX i applied with rocket mortgage for a FHA loan to purchase a new home. I was told that XXXX XXXX XXXX last reported me being late on my credit report on XX/XX/XXXX. I sold my home XX/XX/XXXX!!! I called XXXX XXXX XXXX XX/XX/XXXX and they cant even find my old mortgage in their system to even discuss the issue with me. I was advised to send by mail a complaint to them. I was told there is no phone number to talk to anyone about this issue that it had to be done by mail. 
I am now in jeopardy again of not qualifying for a mortgage because of this lender. This is a HUGE mistake on my credit report that is affecting my credit score and my eligibility for another FHA mortgage. I need your help in getting this resolved. Even if they wont remove the 120 day late, ( still not my fault as I was told I was in forbearance ) they should at least be required at a minimum to report it correctly on my report. It SHOULD NOT say XX/XX/XXXX as I sold my home in XX/XX/XXXX and the escrow company paid my mortgage off in XX/XX/XXXX. 
PLEASE HELP! 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX XXXX XXXX
Consumer complaint received 2016-07-28
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ALLY FINANCIAL INC. (GA)

I was contacted on XXXX by Ally Financia and at that time I had spoken to a rep claiming that he is trying to secure payment for an auto loan and I immediately responded to him saying you have the wrong person and you all have been calling the wrong number for over a week. The rep apologized and assured me that my cell number would be removed from their dialer system in XXXX. On. XXXX I received yet another call from their company and by this time it is early morning. Prior to me phoning them I had 4 missed calls from them. I spoke with XXXX and asked for his supervisor and he then acknowledged that the only person he could transfer me to is in executive customer relations where I spoke to XXXX. I explained the issue to XXXX and I repeated to him that I demand to have to stop calling my number that this is a cease and desist. His comment is that they will remove my number as soon as I pay the bill. In my efforts I have gone as far to google their corporate off number, which are out of service or no answer. I 'm at my wits end and sick and tired of the constant harassment.
Consumer complaint received 2023-06-02
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. (NC)

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


XXXX XXXX - {$9500.00} - XXXX XXXX XXXXXXXX - {$1500.00} - XXXX, XXXX XXXX XXXX XXXX {$10000.00} - XXXX  UNAUTHORIZED INQUIRY PLEASE DELETE : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I already requested my XXXX XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX  XXXX XXXX  - XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  XXXX
Consumer complaint received 2017-07-31
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Diaz & Associates, Inc. (AZ)

Caller would not identify himself, his company or the reason for calling. He was rude, evasive and asked inappropriate questions. My XXXX year old husband and I were verbally harassed about a debt we are not resposible for. I determined that the individual was calling from Diaz and Associates by looking up his phone number online.
Consumer complaint received 2024-08-27
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. (FL)

Equifax password reset process allows anyone with a ssn to reset that password. Thereby granting access to the account. That needs to be fixed. Too many spills makes everyones ssn available.
Consumer complaint received 2017-09-08
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. (CA)

In XXXX 2017 I was alerted by one of my credit monitoring programs that some new information had been added to my credit reports. When I logged onto the website, it showed that a collection account had been added by a company named XXXX XXXX in the amount of {$1800.00}. I immediately disputed this with all 3 credit buearu 's online and both XXXX and XXXX  deleted the account. Experian claimed they had verified the account. I spoke to customer service and asked them to provide me with documentation on how they verified the account according to FCRA 611 ( a ) ( 7 ), which is used for such a request, states : " A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ". The representative stated that there was no law and they did not have to provide me with anything but he would enter in another dispute. The second dispute came back as being able to verify the account again. I contacted Experian and spoke to a representative and informed her of the situation and she agreed to enter another dispute and gave me the website address to upload documents to prove I paid the debt. I did this and waited. After a week or so, I was sent a letter stating the debt again had been verified and they will not delete the account. After that, I filed a complaint with the BBB and a representative from Experian named XXXX XXXX sent me a letter stating she that the account in question did not show on my credit report and she would be investigating the matter further. I tried contacting XXXX XXXX multiple times and she does not answer the telephone and I have left numerous messages. I have provided proof that this debt was paid in full ( I actually overpaid ) via copy of my grandmother 's credit card statement and Experian refuses to delete this account from my credit report. I have been denied credit based on this and my next step is to file a small claims action in order to get Experian to do the right thing and fix their mistake.
Consumer complaint received 2023-06-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$43000.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX Inquiry XX/XX/XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my XXXX report.
Consumer complaint received 2017-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (DE)

To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,
Consumer complaint received 2023-06-03
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. (TX)

I am expecting from you to put some margin to CORRECT some of the inaccurate accounts in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected : XXXX XXXX XXXXXXXX Balance {$31000.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00}.