davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-25
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. (NV)

In XXXX I financed a vehicle with XXXX. In XXXX I disputed inaccurate delinquencies. My proof of on time payments was dismissed by XXXX and the credit bureaus. XX/XX/XXXX I received a redress check for {$100.00} plus a letter from XXXX which now owns XXXX. I cashed the check then submitted a copy of the letter to TransUnion and XXXX. XXXX dismissed my dispute because the letterhead says XXXX and not XXXX. They said I dont have a XXXX account on my report ( because its XXXX. ) TransUnion closed my dispute without correcting my credit report. They said they are basing it off what information XXXX tells them!!! The CFPB lawsuit, ruling, and the fact that I received a redress payment means NOTHING TO THEM. XXXX ( XXXX ) is in violation of pages 26 and 27 of the court order requiring them to correct errors on my credit report. Its my belief that their paperwork is so bad that it can not be accurately adjusted so my request is for the entire account to be removed from my credit report. I believe XXXX needs to send letters to all credit bureaus. I also believe they now owe me more than the {$100.00} redress since they are in violation of the court order and they are violating the rules in general. I want them held accountable in a swift fashion.
Consumer complaint received 2023-02-25
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you. Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$580.00} XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$3300.00} XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : - XXXX XXXX  Date opened XX/XX/XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/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  Opened : XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3200.00} XXXX XXXX XXXX Opened : XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Westlake Services, LLC (LA)

How you doing my name XXXX XXXX Contacting you all today my application was denied for a auto loan as I was pre approved pre approved means approved with a XXXX XXXX XXXX thats false and misleading you cant deny me with extensions of my own credit. 
I know Im the consumer and the original creditor. 
Credit dont matter the laws matter thats consumer law 15 usc 1611 also 15 usc 1605 I practice law. 
You all giving me false information willingly & Knowingly because its public information if its public information you all should know it. Also you all ask for a Downpayment the finance charge is the sum of all charges including gap insurance and dealer fees. 
I provided my check stubs verification of income I have a new bank old bank with deposits got hack can you get me over to the legal team please to discuss these laws? 

My contact XXXX Thanks
Consumer complaint received 2023-02-28
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Westlake Services, LLC (NM)

I signed a lease for a XXXX XXXX XXXX through XXXX XXXX XXXX XXXX. The contract was handled through CULA, Credit Union Leasing of America. To obtain a lower payment on the Lease I traded in a vehicle that was given credit for it. My total down payment was {$7900.00} on the price. I leased the vehicle from XX/XX/XXXX, until it was in an accident on XX/XX/XXXX. I have a police report that I was not at fault in the accident. I called the credit union that I currently pay my lease to, which is now XXXX XXXX because the account was transferred to them, to let them know what happened. The representative said I had a payout balance of {$34000.00} that was owed on the vehicle but to see what the insurance adjuster said first. I took it to an adjuster that estimated initially {$21000.00} in damage. After the adjuster took the vehicle for a closer inspection it was changed to over {$31000.00} and deemed a total loss. The insurance company said the payout was {$42000.00} ( roughly ) so that I would not need GAP insurance to pay a difference on the vehicle. All companies, such as XXXX, XXXX, XXXX, etc., take the payout balance and the equity, if any, returns to the consumer. On a call with XXXX to Cula to arrange for payment CULA states they keep all monies for the vehicle, including the overage from any down payment. The representative, XXXX XXXX, said it is in the contract and that is what is going to happen. He was rude and the XXXX representative, who had arranged the call as a three-way, apologized at the call 's conclusion for the way the representative explained things. I e-mailed CULA again, hoping they would release the funds, explaining that this practice is not common and unfair to the consumer, but was told to refer to the contract. In fact, the representative ( XXXX ) highlighted a section of the contract that says if the vehicle is a total loss the lease terminates. While it says the company is deemed as a loss payee is does not say they claim all rights to any equity. I explained I had no right to purchase the vehicle, through no fault of my own, and I should not lose the opportunity to purchase the vehicle or claim any equity. Again, other company 's do not claim the equity but only take the payoff amount. CULA refuses to discuss it and the contract is not clear to the average consumer nor is it a fair business practice. CULA claims to be the sole owner, yet CULA signed a power of attorney to allow me to be added as an owner, in order to register the vehicle in XXXX XXXX XXXX XXXX views CULA and I as co-owners of the vehicle as seen on the registration that is attached.
Consumer complaint received 2023-02-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I was approved for 13 monthly future payments by the Homeowner Assistance fund starting XX/XX/XXXX. These payments are posted throughout the month at different times. On XX/XX/XXXX I sent a secure message to Shellpoint Mortgage because the payment for XXXX had not posted despite the HAF program stating they were sent. I received email confirmation the message was received but have yet to get a response. I received a letter dated XX/XX/XXXX that the payment was late and my credit may be impacted despite being told by Shellpoint loss mitigation that my account is notated that I receive HAF funds and any late payments would be waived. I called Shellpoint on XX/XX/XXXX, and was advised the XXXX payment was notated on my account as being received on XX/XX/XXXX but has not been posted and a email would be sent to the department that handles posting payments and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX, there was no updates as to why these funds have not posted. I was transferred to a Representative in loss mitigation who also showed the funds were received by Shellpoint in batch form on XX/XX/XXXX and noted to my individual account as being received on XX/XX/XXXX. She stated she would also send an email to that department and call back on XX/XX/XXXX. It is now XX/XX/XXXX, I was never contacted by Shellpoint from my email sent on XX/XX/XXXX. No representatives have notated my account regarding any feedback from this department, I have not received a response from this department and calling doesnt seem to assist with finding out why these funds havent posted. I am worried because of the letter I received that this will adversely impact my credit even though these funds were received and for whatever reason Shellpoint hasnt posted them to my account. I have also not received any response as to what exactly is going on and why the funds have not posted.
Consumer complaint received 2023-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (VA)

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, XXXX XXXX XXXX {$150.00} has violated my rights. 

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.

Chapters View all
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION (CA)

On XX/XX/XXXX, XXXX, Navy Federal Credit Union tranferred {$3500.00} from my checking account to my closed credit card account ( also with Navy Federal Credit Union ) without my permission and without any sort of notice ( written or verbal ). I recently had a bankruptcy dismissed in XXXX, and still had some outstanding debts on the credit card. I spoke with a service representative on XX/XX/XXXX to plead my case that the amount was unreasonable and asked that they return the funds. I also said I was willing to set up a more reasonable payment plan, but the representative only offered the standard responses that I should have called to set up a payment plan after the bankruptcy was dismissed. So no progress was made. The following day, XX/XX/XXXX, I learned that after that call with Navy Fed on XX/XX/XXXX, they made a second unauthorized transfer from my checking account to the oustanding balance on the credit card in the amount of {$2600.00}. This dropped my checking account balance to - {$2.00}. Added up, these two collections represent over 50 % of my disposable income for the month whereas federal law, to my understanding, limits such collections to 25 % of disposable income. I am now facing a handful of missed payments on rent and other bills over the next few weeks, and I have XXXX cash or other means to purchase food, gas, and supplies during an already difficult time.
Consumer complaint received 2023-02-25
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. (CA)

I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On my credit report it show it is a charge off, and I called the original creditors and they said the debt was sold to another company. I was telling them to please remove the account off my report
Consumer complaint received 2023-02-28
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. (SC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2023-02-25
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. (MI)

They did not change the incorrect information. My loan from XXXX was changed to XXXX. I was not informed of status during covid-19. it showed 120 days past due. The loan was consolidated and paid off and transferred to a new servicer. The late payments were not removed even though they are not my servicer. I am current on XXXX but it does not reflect on my credit report
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I XXXX XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/1994. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX # XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX  # XXXXXXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX I contacted Experian and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.
Consumer complaint received 2024-10-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Confirmation of Debt Payment in Full - Account Number XXXX Dear Midland credit management I am writing to confirm that I have successfully settled the outstanding debt associated with mcm number XXXX. The original amount owed was {$1500.00}, and we agreed upon a settlement amount of {$1200.00}, which has been paid in full. Payment confirmation ID : XXXX I kindly request that you update your records to reflect that the debt has been paid in full and that there are no further outstanding balances on this account. 

Additionally, I would appreciate it if you could provide me with a confirmation letter acknowledging the payment in full and stating that the debt has been satisfied. The confirmation letter should include details such as the original amount owed, the settlement amount, the date of settlement, and a statement confirming that the debt has been paid in full. 

Please send the confirmation letter to the following address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX If you have any questions or require further information, please do not hesitate to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. I look forward to receiving the confirmation letter and having this debt fully resolved. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (TX)

receivables management Partners LLC has called me on several occasions from XXXX all the way through XXXX. Back in XXXX I entertained the phone call and they asked for a man 's name that I've never heard before. I told her my name as well as my husband and daughters. We have recently just moved from XXXX  down to XXXX  and I got this new number mid-XXXX. The calls started XX/XX/XXXX. I also received a call on the XXXX, XXXX, and XXXX. I continue to receive calls XX/XX/XXXX two times that day, XXXX, XXXX, XXXX and then in XXXX I got calls on the XXXX and XXXX. XXXX I have calls from the first, second, XXXX and XXXX. So not only did I clear up that I am the wrong person they are looking for back in XXXX, but I also answered the call in XXXX to let them know I had already informed them of the mistake. I was assured on the second occasion now that I would not receive calls anymore. Today XX/XX/XXXX I received a call just after XXXX this morning and this time I was very frustrated about the calls continuing and I was getting ready to file a complaint. The lady was very rude almost taunting me. She told me that she put a note on my phone number that it is the wrong person but if another collections comes in for a different reason for the same number even if it's for the wrong person, they would still call me. I pretty much argue that that should not be allowed and they should know their system that XXXX XXXX owns this phone and if any other name comes through do not call it. She continued to argue with me and even started yelling so I just pretty much told her I was filing a complaint and hung up. So here I am.
Consumer complaint received 2023-02-28
Product: Credit reporting, credit repair services, 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 XXXX XXXX my SSN is XXXX and my XXXX is XX/XX/XXXX. I reviewed my consumer reports and noticed that there was an inaccurate account ( s ) on my credit report! 
I am a ( XXXX VETERAN ) have been experiencing depressions and Hardship I had a my personal information stolen I have a police report I will upload! I reviewed my consumers reports and notice that I had serval late payments on accounts that I was never late for. Also, there are fraudulent accounts on my consumer report! Consumer reporting agencies have assume a virtual roll and have a responsibility to report consume to the best of their ability with maximum accuracy. I have never been late for payment for any of these accounts and some of these accounts are fraudulent accounts Delete these accounts from my consumer report and Fraudulent addresses! 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Important dates Original filing dateXXXX XXXXXXXX XXXX XXXX Latest status dateXXXX XXXX XXXXXXXX Additional details Reference XXXX Record typeXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry dateXXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XXXX Removal dateXXXX XXXXXXXX Additional details Business typeFinance other than personal Contact info Address XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX I contacted TransUnion and asked for them to investigate & remove the inaccurate accounts from my consumer report that they are illegally reporting, and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 

Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these accounts to be DELETED /BLOCKED from my consumer report, or payment history must be updated to on time as they should be as I was never late.