davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-31
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. (DC)

Letters was sent to XXXX XXXX and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

ACCOUNT : XXXX XXXX XXXX XXXX 

THIS ACCOUNT WAS A CHARGED OFF NA DTHEY SALE THIS DEBT TO A DEBT COLLECTOR, AS LAWS REQUIERES THEY HAS TO REMOVED THIS ACCOUNT FROM MY CREDIT REPORT BECAUSE WAS SALED TO ANOTHER LENDER, THEY KEEP IT, THIS IS A VIOLATION OF 15 USC 1681i-5. THIS DEBT WAS PAID IN FULL HERE I WILL ATTACHED A REAFIRMATION LETTER FROM LENDER
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMA Advisors, LLC. (PA)

I recently refinanced with Homebridge Mortgage Company and my first payment was due on XX/XX/XXXX. I went to their website on XX/XX/XXXX to make the payment and their system would not allow me to make just the XXXX payment, it required me to make XXXX & XXXX. I was forced to make both payments because if I didnt, then I would be penalized with a late payment. The next morning, XX/XX/XXXX, I called them to see if I can adjust the payment to just XXXX payment and pay XXXX at a later date. The representative on the phone advised me to cancel the entire payment and he would then transfer me to someone else to re-do the payment to just cover XXXX. I was very concerned that if I cancelled, they would report it late on my credit report but the agent reassured me that they would not report it late. I agreed to cancel and he transferred me to make the single payment. When I tried to make the payment with the next agent, she told me that they no longer had my loan and it was transferred to another lender and I was unable to make the XXXX payment with them. When I called the new lender, they advised me that it would take at least 10 days to see the loan in their system and told me to call back then to make the payment. Now Homebridge reported me late for the XXXX payment and I am requesting they remove that late payment from my XXXX credit report. The Homebridge agent gave me incorrect information. If you check the records, my payment was made on-time ( not XXXX days past due, it was XXXX days ) and it was cancelled the next day. It is unfair to force consumers to pay XXXX  months before the month is technically over. If it was not for the agent giving me the incorrect information, my credit would not be effected.
Consumer complaint received 2023-02-13
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: EQUIFAX, INC. (TX)

Upon reviewing my updates, unauthorized inquiries are being reported to my personal credit file. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified inquiries without providing any proof required by law. 

The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

XXXX XXXX XXXXXXXX XX/XX/2021
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have attempted to dispute multiple accounts with experian, transunion and XXXX and they have failed to correct the inaccuracies on my report. there are accounts that I am not liable for, and they these agencies have not supplied proof of my wet signature and many of other violations on my behalf as a consumer. Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ). I will list the accounts that are inaccurately reporting and I would hope that you correct and look into these errors. I am a servicewomen and I am fighting for OUR country and I know this is a violation of my rights under 15 USC. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
creditor : XXXX  XXXX acct # : XXXX, creditor : XXXX XXXX acct XXXX XXXX XXXXXXXX, creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX acct XXXX XXXX XXXXXXXX, creditor : XXXX acct XXXX XXXX XXXXXXXX these are these accounts that are misleading and reporting inaccurately on my credit report.
Consumer complaint received 2021-03-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I'M LOOKING FOR SOME HELP BECAUSE THE CREDIT BUREAUS HAVE BEEN IGNORING MY REQUESTS DEALING WITH ACCOUNTS REPORTED ON MY CREDIT FILE.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2021-03-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Hello, I've tried many times explaining to them that I was a victim of identity theft, but for some reason they keep sending me emails after emails regarding this balance owed. 

As you're aware I'm XXXX by birth and due to this I never worked. I only get {$960.00} per month from my social security income and from it I must pay the utilities bills, phone bills, gasoline for my XXXX, which is wheelchair equipped, and foods. 

Whenever I email them I don't get a reply. And I'm unable to call them because of my XXXX  XXXX 

I'm reaching out to you to get this resolved by telling them that I was a victim of identity theft. Thank you.
Consumer complaint received 2021-03-18
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: HYUNDAI CAPITAL AMERICA (NY)

XXXX Dear Consumer Financial Protection Bureau : I had a XXXX lease that matured in XX/XX/XXXX. When I returned the vehicle, It was clear that the lease was terminated and paid in full. I then received a letter in XX/XX/XXXX with a settlement offer, which I did not know the meaning of, yet I paid the amount asked for. My understanding was that this settlement was a settling of affairs and had not a clue that this was actually a settlement of a disposition fee. According to XXXX, there were earlier letters sent out to me ; however, I did not receive any letter before XX/XX/XXXX at which time I promptly paid the amount asked for, as stated above. Unfortunately, the settled amount is resulting in two lates on my otherwise exceptional credit profile with the three main bureaus - XXXX, XXXX and XXXX. I have written three letters to XXXX explaining the above and requesting the deletion of the XXXX and XX/XX/XXXX late remarks and charge-off status remarks that are presenting on my credit profile, so that the account reflects my flawless payment history with XXXX. XXXX has yet to answer my request, even though my first letter was overnighted to them on XX/XX/XXXX. As it stands, the credit profile deceivingly appears as if car lease payments were actually late, which they never were, and XXXX XXXX reporting does not adhere to the Fair Credit Reporting Act that demands accurate reporting. When I returned the vehicle, I inquired if we were all done and I was told that we were all finished without any indication of a future invoice from XXXX. In the lease, it does say that a disposition fee will be collected upon return of the vehicle ; since I wasn't asked for the fee when I returned the vehicle, I understood that the fee had been absorbed during the life of the lease or offset by my security deposit, which the lease delineates. I am requesting that the XXXX and XX/XX/XXXX lates be deleted from my credit profile so as to accurately reflect my perfect payment history with XXXX.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RC Willey (UT)

RC Willey is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting. I immediately called and settled this account with them. I was unaware about this debt as I had never received any notices, calls, or letters regarding this debt. I ask that RC Willey removed this account from credit as it has been paid and settled.
Consumer complaint received 2021-03-18
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

In the beginning of COVID ( XX/XX/2020 ) I was told that all of my student loans would be put into a COVID relief program, like many other companies I was told no payments needed to be made for 6 months. Then in XX/XX/2020 I received a FICO credit alert that my score had dropped due to being 90 days past due. I called Nelnet and was told there was an error and " somehow a few of my loans weren't put in the COVID program ''. Their error resulted in this delinquency reporting to my credit. When I asked her to correct it I was told she could add the other loans to the program but she could not fix the credit reporting.
Consumer complaint received 2024-09-09
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. (AZ)

To whom it XXXX concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act XXXX XXXX. Block of information resulting from identity theft [ XXXX XXXX. XXXX ] ( a ) XXXX. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Delete this account. 

XXXX. XXXX XXXX CODE XXXX XXXX - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - False or misleading representations XXXX XXXX  Account Number : XXXX Please remove it from my credit report XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER FAIRWAY INDE Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2021-03-18
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)

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeLease ResponsibilityIndividual Date OpenedXXXX StatusPaid in settlement. {$1000.00} written off. 
Status UpdatedJul XXXX Account NameAD XXXXXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date Opened08/30/2019 StatusCollection account. {$490.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Account NameXXXX Account NumberXXXX Account TypeCharge Card ResponsibilityIndividual Date OpenedXXXX StatusClosed.

Status UpdatedXXXX XXXX Account NameXXXX XXXX XXXX XXXX. 
Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$810.00} past due as of XX/XX/XXXX. 
Status UpdatedOct XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeUnsecured ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$240.00} written off. {$260.00} past due as of XX/XX/XXXX. 
Status UpdatedAug XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeDebt Buyer ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$220.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXXXXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$550.00} past due as of XX/XX/XXXX. 
Status UpdatedJan XXXX Account NameXXXX XXXX XXXX  Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$2100.00} past due as of XX/XX/XXXX. 
Status UpdatedNov XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeNote Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$630.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status UpdatedSep XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$570.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeEducation ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeEducation ResponsibilityIndividual Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedApr XXXX Account NameXXXX XXXX XXXX XXXXI Account NumberXXXX Account TypeEducation ResponsibilityIndividual Date OpenedXXXX StatusTransferred, closed. 
Status UpdatedJun XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeSecured Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$450.00} written off. {$620.00} past due as of XX/XX/XXXX. 
Status UpdatedDec XXXX ***please remove all accounts above not mine, FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ***remove above incorrect names and phone numbers not mine, FCRA violation
Consumer complaint received 2021-03-18
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (TX)

Applied for a refinance with PHH Mortgage, and they can not tell me why they can't get my home appraised, appraisal came out on XX/XX/21 and said he would have it done on XX/XX/21 called PHH Mortgage around. XX/XX/21 and was told that they were not able to appraise and they are going to another appraisal co. And they extended my loan application for another 30 days, I got back with PHH on the week of XX/XX/21 and they told me that they still can't get it appraised, I called back on XX/XX/21 and they still can't get appraisal and not able to tell me why, then on XX/XX/21 they turnamated my loan application, they called me today XX/XX/21 and told me it's because they can't get my home appraised and can't not tell me why cause they have no answer to why, so now I can't get the interest rate of XXXX cause interest rates when up, and I can't get any information about the loan cause we did the e file and I can't find any information except the little bit I have in emails
Consumer complaint received 2021-03-18
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. (TN)

I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.
Consumer complaint received 2021-03-16
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: Regional Management Corporation (GA)

Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Consumer complaint received 2024-09-09
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. (CA)

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION (VA)

I have been charged Returned item fee twice for one transaction.The total amount was $ XXXXTge date of the transaction was on XXXX.Beside that I have been seperately charged Returned item fee again for a transaction I am not aware of with amount of XXXX $ On XX/XX/2021.
Consumer complaint received 2021-03-18
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 — Problem with personal statement of dispute
Company: DISCOVER BANK (TX)

I missed a payment with Discover Card due to having COVID-19. The charge was for a promotional service who automatically charge my card for {$10.00}. When I became aware this account was past due I made a payment right away on XX/XX/XXXX. I called Discover and explained I had COVID and was not aware of this charge. They removed the late fee and said they would update my account. Instead of updating my account they reported me late to the credit bureau and now my credit was reduced by over 50pts. I disputed the late payment through XXXX and Discover reported I was late and it should remain on my account. I called Discover on XX/XX/XXXX asking if they could remove this from account due to me having COVID along with me being a loyal customer for over 20 years. They told me no because it was not their error. I explained again the payment was missed due to me having COVID and not being able to check my mail they refused to remove it.