davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I have disputed this issue 2 times the incorrect late payment statuses with XXXX ( Formerly XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The problem is that during the start of the Pandemic I took advantage of a program with XXXX that allowed for automatic debits to come out of my account to ensure the account would be paid on time. I have bank account statement proof showing the amounts came out on time, but they are not showing paid on time on my credit report and XXXX refuses to update them. XXXX, XXXX and XXXX of 2020 are not delinquent, but they are still showing they are. Important note- XXXX boughXXXX out XXXXXXXX XXXX XXXX but is not taking any responsibility for the programs or transactions made from XXXX customers prior to that acquisition. This is an unfair business practice. I have tried multiple times to dispute this as these delinquent payments are negatively affecting my ability to have a better credit score. 
I am filing a complaint now.
Consumer complaint received 2023-06-13
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 recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late payments posted on my credit report : XXXX : Account numbers still varies even after 1st investigation between the bureaus Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the followng circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term consumer report include ( A ) Subject to section 16815-3 of this title, any. 
( ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report and or this account as it has not been properly investigated and this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXXDefamation of Character ( per se ) XXXX.Negligent Enablement of Identity Fraud XXXXFair Debt Collections Practices Act 15 USC 1692 G violations XXXXFair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (KY)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This is relating to the previous case I had opened concerning Bank of America illegally taking out {$16000.00} from my checking account without my knowledge nor consent. Bank of America attempted to get in touch with me to negotiate by phone. However, I was not comfortable talking to them. I want Bank of America to deposit the amount of {$16000.00} they stole back into the same checking account.
Consumer complaint received 2023-07-29
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have an RV loan with Bank of America that should be pending a payoff as of last week. I attempt to verify this information via my web account, the IVR and a customer service team member and cant get the information from any source. 

The web account no longer allows me access The IVR will take my account and last 4 of SSN and then directly transfers me to an agent that cant help. All the agent can see is a last payment date nothing more. Its alarming that a consumer cant confirm recipient of payment on their loan. As of now I dont know and wont know if the amount sent satisfies my loan or if I having a pending balance. 

I dont want this loan to roll another 30 days on my credit report and I dont want fees charged to my account. 

At the time of payoff should a bank/servicer be allowed to remove all access to a consumers account so they have no way of getting any information? Im needing to show the loan paid in full to receive refunds on gap insurance policy and if not received I could stand to lose more money due to Bank of Americas negligence. 

I will never do business again with Bank of America. 

Account # XXXX
Consumer complaint received 2023-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (GA)

I ACQUIRED A LOAN THROUGH XXXX XXXX XXXX XXXX. THIS LOAN WAS OF MANY TOXIC LOAN THAT XXXX XXXX WAS THE MASTERMIND OF THE LARGEST BANK FRAUD IN THE UNITED STATES WAS CONVICTED IN 2011. THIS LOAN CAME FROM THIS LINEAGE. THE LOAN WAS SET UP WITH NEGATIVE AMORTIZATION FROM THE CONCEPTIONS OF THE LOAN. THE LOAN WAS PLACED IN A TRUST THAT HAS BEEN SUED IN MANY STATES FOR MORTGAGE FRAUD. THEY ARE USING FRAUDULENT ROBO SINGED ASSIGNMENTS TO FORECLOSE ON MY HOME. I HAVE ASKED FOR THE GAP ACCOUNTING IN 2 DIFFERENT QWR, DEBT VALIDATION AND NEITHER WERE ADDRESSED. THE LOAN BALANCE IS DOUBLE WHAT THE LOAN START. XXXX XXXX XXXX IS SERVING AS TRUSTEE FOR XXXX XXXX XXXX XXXX  XXXX CERTIFICATES SERIES. HAS TAKEN IT LOSSES AND BEEN SUED FOR FORECLOSURE FRAUD.
Consumer complaint received 2023-07-29
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. (IL)

I was sent a letter from the US Court of Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.
Consumer complaint received 2023-06-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Loan Number : XXXX XXXX XXXX  incorrectly reported delinquency for loan payment. 
- XXXX XXXX XXXX sold my loan to another loan company ( XXXX XXXX ) effective XX/XX/2020 ( letter attached ) ; therefore, all payments after XX/XX/ should be paid to XXXX XXXX, not XXXX. 
- However, IN FACT, XXXX XXXX XXXX received my XXXX  and XXXX XXXX loan payments through an auto payment online account ( payment history attached ) - XXXX reported delinquency for missing loan payments in XXXX XXXX  to the credit bureau caused a massive impact on my credit history. 
- The " Goodbye '' letter received from XXXX indicated " The servicing of your mortgage loan is being transferred, effective XXXX XXXX XXXX. After this date, a new servicer will be collecting your mortgage loan payments from you
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX, Capital One offered me a Settle For Less than the amount on my charged off account of {$390.00}. I fulfilled that amount on XX/XX/XXXX. However, I received a notification via XXXX that the company has reported my account as delinquent instead of settled for less than the amount. This is false information reporting and will present a strong adverse effect on my credit rating. This needs to be addressed and corrected immediately. I have also sent an email to the CEO regarding this matter.
Consumer complaint received 2023-05-09
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. (GA)

You are in direct violation of the fair credit reporting act XXXX XXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. 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 a open-end consumer credit plan as a 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 2023-07-29
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. (MD)

I was going through my consumer report, and I have noticed multiple debts added onto my account without my knowledge. In pursuant to 15usc1681 ( 4 ) Experian must exercise their grave responsibilities with fairness, impartiality, and respect for my privacy. In the end of XXXX, Experian added XXXX accounts with the name DEPT OF EDUCATION/XXXX with a balance of {$26000.00}. This is a violation of the fair credit reporting act and violation of congressional findings. This is a violation of my privacy, and I did not consent for the XXXX accounts to be reported into my consumer report. This is impartial because Experian does not see me as a consumer, they see me as a product where other 3rd party corporations and themselves can profit from my account and name. Experian has no respect for fairness. This is limtiing my opportunity to use my credit for other services. In pursuant to 15usc1681 ( 1 ) unfair credit reporting undermines my confidence in the banking system since the banking system dependent on fairness and transparency which lessons the functioning of the banking system. I have named 2 violations from the fair credit reporting of the congressional findings and there are many more. I demand the XXXX accounts to be removed from my consumer report.
Consumer complaint received 2023-07-29
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: EQUIFAX, INC. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-07-29
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)

I was sent a letter from the XXXX XXXX of  Bankruptcy stating they never share information to any credit bureaus. When filing any bankruptcies through their court system. Unfortunately, the credit bureaus have this information.
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX of 2023, I initiated a refinance of a home that was renovated. The lender obtain a background report and initially did not disclose the source ( TransUnion ). The report stated that I have 67 unresolved liens in GA. I never had 67 liens furthermore, I currently have zero liens. 

TRANSUNION NEVER CONTACTED ME TO LET ME KNOW THEY WERE PERFROMING A BACKGROUND CHECK NOR DID THEY AFFORD ME A MECHANISM TO DISPUTE THEIR REPORT Over the next 3 months, I pleaded with the lender for an exception and received it. However, by the time I received the payoff for the current loan, there was default interest due to the term of the loan ( which was paid on time for 16 months ) was at maturity. In order to remove the default interest and complete the refinance, I had to pay over {$12000.00}! 
To my knowledge, the only background company that has the erroneous data on me is TransUnion. My FICO is XXXX and I have plenty of assets. This erroneous background report has cost me over {$37000.00} and counting because it thwarted a refinance and forced me to pay over {$12000.00} in extension fees to maintain the current loan. The current extension is valid until XX/XX/XXXX. TransUnion and their background report that is full of errors is causing me undue stress and is financially debilitating me.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX You are in Direct Violation of the Fair Credit Repair Reporting Act ( XXXX XXXX XXXX ) Account number XXXX has violated several of my rights. 

15 U.S.C 1681 section 602 A, Clearly states that I have right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states the consumer reporting agency can not furnish an without my written instructions.

15 U.S.C. 1666B : A creditor may not treat payment on a credit card account under an-open-end computer credit plan as late for any purposes Remove this late account and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting
Consumer complaint received 2023-06-27
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. (PA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Link Management, LLC (LA)

NOTE : On the next page, I will supply the last 4 digits of my husband 's social security number because the debt is his, NOT mine. 

They are calling & texting the WRONG PERSON! This is my husband 's debt, that he took on independent from me, without my knowledge or consent. I responded to their text messages informing them that they were contacting the wrong person at the wrong number. I gave them his phone number, & yet they continue to harass me. 

I have been receiving repeated phone calls & text messages from Capital Link Management or Capital Management. I did not answer the calls because I did not have any business with the company & didn't recognize the name. Then the text messages started on XX/XX/2023. I don't even know how they obtained my cellphone #, because it's independent from my husband 's. 

Text Messages : XX/XX/XXXX- they offered a settlement through text message and asked him to reach out to XXXX XXXX. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement on my husband 's behalf. I responded that they had the wrong number & supplied his phone #. 
XX/XX/XXXX- another text message stating that XXXX XXXX needed a statement. I again responded telling them they had the wrong person & number & supplied the correct number. I also told them that I wasn't on any account associated with his debt & was not responsible for it. I asked them to please confirm receipt of my text message & received no response. I stated that if they were capable of sending text messages, they were most certainly capable of reading them. 
XX/XX/XXXX - yet another debt collection text message. 
XX/XX/XXXX- another debt collection text message. I replied in anger, telling them that they were harassing me & I was going to report them. 

Calls : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX. 

There may be other calls & text messages that I overlooked, as around the same time I was receiving calls without caller ID. 

This is a violation of FDCPA ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2023-06-27
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: EQUIFAX, INC. (FL)

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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
Consumer complaint received 2023-07-14
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. (LA)

I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.
Consumer complaint received 2023-06-27
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. (SC)

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-29
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. (MO)

I recently reviewed my credit profile and noticed accounts that I do not Identify with. I also noticed several inaccuracies and or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- Congress states that a consumer report does not include, transaction or experiences between the consumer and the person making the report. How you use it is your line of credit is payment history which is considered your transaction.

Furthermore, under the Fair Debt Collection Practices Act ( 15 USC 1692b ( 2 ) is prohibited for 3rd party debt collectors to communicate with credit reporting agencies regarding the collection of debts before obtaining written consent.

The law is very clear as to the Civil liability and the remedy available to me for negligent '' noncompliance ( Under FCRA Section 617 & UNDER 15 USC 1681o ) since you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my consumer rights under the FCRA and under the FEDERAL CONSUMER LAWS. These kind of errors are embarrassing and costly. I am being affected emotionally and financially because of these errors.

You have also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified with no tangible proof.

15 USC 1681 ( b ) 2 permissible purpose as it ( inquiries ) 15 USC 1681 ( s ) 2- prohibited from reporting info that they know to be inaccurate canceled debt ( charge off ) income cant be reported as debt define by IRS as gross or ordinary info.