davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (TX)

I received a title loan from Title Max in XXXX, Tx. When applying for the loan the branch manager gave false information for my employment, she also never went over any of the paperwork with me. When COVID-19 happened I contacted the loan company to advise them that I would not be able to make my payment due to a cut in my hours. I was never told that the interest on the loan would still accrue. When I spoke with the district manager today he was not very helpful at all even after I explained the whole situation. I now lost my vehicle due to lack of compassion for the COVID-19 pandemic and how it has affected my family.
Consumer complaint received 2020-05-01
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. (CA)

I am in receipt of a current credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently reported item ( s ) are potentially deficient of the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the complete and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct  business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent legal authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and or removal from reporting the delinquently reported items
Consumer complaint received 2017-12-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC. (UT)

To Whom it may concern, This is a debt from a credit card from XXXX XXXX Nevada for {$2700.00}. This debt is in collection with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX a Judgment was place for XXXX XXXX. 
I was notify on XX/XX/XXXX to attend court on XX/XX/XXXX The following information was provided by XXXX XXXX employee by phone number XXXX to me on XX/XX/XXXX and another employee by phone number XXXX on XX/XX/XXXX, for dates and after asking XXXX about statue of limitation XX/XX/XXXX she refuse to talk further. 
This credit card was open XX/XX/XXXX and was last paid on XX/XX/XXXX and went to collections XX/XX/XXXX. XXXX XXXX file suit and acquire a Judgments after breaking law against me on XX/XX/XXXX. 
The statue of limitations on this credit card debt has expired on XX/XX/XXXX. Effective on this date the debt is time-barred and debt collectors can no longer sue debtors over the unpaid debt. XXXX XXXX violated the federal Fair Debt Collection Practices Act ( FDCPA ) and the Utah Fair Debt Collection Practices Act by seeking a Judgments on XX/XX/XXXX and XXXX XXXX willfully failed by not adhering to the Utah Fair Debt Collection Practices Act 12-1-8 Designating and limiting activities as to assignments by failing to follow 12-1-8 at the direction of the assignor bring suit as assignee, provided however, that all accounts shall be within the statute of limitations as provided by law. 
Now 2 years later on this day to continue to seek payment for a expired statue of limitation credit card and after breaking laws to get a judgment and still after breaking the law by using this judgment to which should have never gotten. 
Sincerely,
Consumer complaint received 2020-05-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I tried to call Experian 7 times in 7 days and held for one hour and when they answered and then transferred me to a dispute person, i was disconnected each time. 

I would like to have someone call me immediately at XXXX and if I do not answer, I would like for them to leave their name and direct line to call them back.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX XXXX. XXXX XXXX - XX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2020-05-01
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: Experian Information Solutions Inc. (GA)

My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
Consumer complaint received 2023-04-16
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FAUD ACCOUNTS ON MY CREDIT REPORT Original balance- {$720.00} Account number-XXXX Open/closed-Closed Date opened-XXXX XXXX XXXXXXXX Account type-Secured Loan Status-Paid, Closed. 
Status updated-XXXX XXXX Original balance- XXXX XXXX  Monthly payment -- Last payment dateXXXX XXXX XXXXXXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX INCOMPLETE ACCOUNT 3 IS GROUND FOR REMOVAL AND DELETION OF THIS ACCOUNT 15 U.S. CODE 1681C-2 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 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company (UT)

I am currently have a loan through Freedom Mortgage. I have decided to refinance with another company and I can not get Freedom Mortgage to send the Payoff Statement to my new title company and lender. I can not close on my new loan without the Payoff statement. Today is XX/XX/XXXX. The title company has been trying to get a copy of the payoff statement since XX/XX/XXXX. Freedom Mortgage will only give a payoff after 72 hours from the request. This is much more than the 72 hour window they require. I feel as if Freedom Mortgage is holding my payoff statement hostage so they can get additional interest and possibly a late payment if they do not quickly send this payoff statement. There is no way to get it online besides sending an email. When you request it by phone, they still will not give it if is not in what they see as the 72 hour window.
Consumer complaint received 2023-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have sent multiple letters this company asking them to remove information they are reporting on my credit report that i did not aurthorize or do not know. they continue to respond they need 60 days but the FCRA states thatits only 30 days but they been continue to speak that evertime i send proof ans show how this company continues to violate my consumer rights.Comlain # XXXX the same results over and over.
Consumer complaint received 2023-04-16
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)

I am a victim if the XXXX data breach there is a Charge off account XXXX XXXX XXXX XXXX XXXX reporting on my XXXX and Transunion credit reports. Both XXXX and Transunion have not been able to provide a copy of the 1099-c form or any other documents to verify and validate this account.I am afraid this is a result of the XXXX data breach.
Consumer complaint received 2020-05-01
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America XXXX XXXX XXXX XXXX FL XXXX XXXX Attn Disputes Dept XXXX XXXX I believe a XXXX called me to Harass me about filing my complaint on XX/XX/XXXX. 
Com [ plaint Number XXXX She called me and said we were being recorded but not to collect a debt. Then she mentioned my filing a formal complaint with you, the CFPB. 

I asked her if Bank of A was going to fix the problem and all she kept saying was double talk instead of direct NO, THEY WON'T FIX MY PROBLEM. 
I yelled and screamed at her to stop harassing me until the matter has been resolved and then she hung up. I hope she plays the recording to everybody at BofA because they are a do-nothing bank in my book. I've lost lots of sleep as a result of BofA. 

What nerve, calling me to scold and threaten me about filing a legitimate complaint. 

I want action, not harassing phone calls, how unprofessional. Looks like they fear the CFBP ... ... .Good and thank you. 
ALL I WANT IS FOR BANK OF A TO MAKE MY CREDIT REPORT READ THAT THEY WERE PAID IN FULL XX/XX/2017 AND THAT THEY ARE SORRY.
Consumer complaint received 2020-03-12
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. (CA)

I applied for a car loan today XX/XX/20 and I was not approved because apparently there are some accounts and inquiries that are reflecting negatively on my credit report. None of the items I listed on this report belong to me nor did I authorize anyone to open them in my name with my personal information. I have no idea who is responsible for opening these accounts on my behalf without my permission and I have already filed a police report. I did not benefit any money, goods, services or any other type of benefit as a result of these accounts/inquiries and I never made any payments towards these accounts. I am not affiliated to any of these companies and I never gave them permission to run or access my credit reports.
Consumer complaint received 2020-03-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: EQUIFAX, INC. (NY)

Equifax this company is reporting fraudulent false information defaming my credit! The account is NOT MINE and is a result of identity theft from your breach! I never had a account with this company. Please remove!
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I want to file a complaint against Experian. I was to get a copy of my credit after the XXXX XXXX ran a credit check. They said it would be mailed within ten days. It has been 21 days. They threatened my wife telling her she had to join. That is not true. They also asked us receive third party calls. They are scamming and telling untruths. 

I will lose the opportunity to rebuild my flood damaged house because of what they have done. I need the XXXX loan to finish the house and live normal. In a week my window of opportunity expires and I will not be able to obtain the loan and finish my house. 

Credit companies do not need to issue ultimatums. I receive offers to join almost every day from Experian, but no response to what I have requested. They asked me to rate my experience and they have not responded. They are worse than all of those student loan/insurance calls I receive every day.
Consumer complaint received 2020-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX XXXX XXXX XXXX  Transunion should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-06-01
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. (AL)

I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. 

XXXX XXXX {$1600.00} XXXX XXXX {$370.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2020-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (OH)

I had a credit card debt that Credit Control , LLC collected on previously and they continue to harass me with the same debt but a different account number with their organization. I wrote to them back in XXXX and explained the situation and didn't hear anything more from them until today. Again, now it is a different account number with their organization, trying to collect on the debt I finished paying on in XXXX. 

My original Credit Control account number was XXXX, the second collection letter said it was XXXX and now the third one is their  account number XXXX.
Consumer complaint received 2020-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My EX and I HAD a XXXX XXXX loan that initially was XXXX XXXX XXXX XXXX. Our loan got transferred to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. XXXX did not have all of the documentation about our loan and past modification help, etc. 
We were in routine communications with them. They were aware tha we had an active contract for sale of the house. They kept sending the WRONG forms for us to fill out. 
We SOLD the house XX/XX/XXXX. The pay-off amount given to our mortgage company was dated for AFTER the sale date to ensure we would be paying the correct amount. 
XXXX was paid in FULL for the loan, yet keeps sending bills for missed mortgage payments. 
I have emailed them, called them, sent them information. Each time there is communication, it is with a different representative, with differing information, and it seems like nobody has figured this out. 
I contacted our Title company and they said check was not returned and pay off amount WAS correct. They also said NOBODY from XXXX contacted them regarding any possible discrepancy in pay-out. 
A XXXX  rep initially said the pay-out check was returned because it wasn't the correct amount, then later said it appears like it WAS the correct amount but unsure as to why it wasn't accepted! Not ONCE did I receive, nor my EX, any correspondence citing pay-out was in the wrong amount. 
My EX contacted XXXX XXXX, the originator of our loan, and they said the loan WAS paid off as well. They recommended filing a formal dispute. I emailed XXXX  2-3 weeks ago. Nobody has resolved this issue. I was told a few weeks ago, after I kept calling them, that it looks like there's more money due because of the pending foreclosure process. 
I don't understand. We SOLD the house BEFORE it went into foreclosure. I communicated with XXXX  and their Foreclosure department in XXXX that house was being sold on XX/XX/XXXX. Neither my EX nor I have EVER received any bill reflecting this lack of payment. All we have received is the typical monthly statement/bill reflecting past monthly payments not sent in. 
This is still on my credit report as a balance of over {$300000.00}! That is NOT true. I can send a copy of the pay-out quote along with the CLEAR Title transfer if needed. Please help me get this rectified. 
During these ongoing economic conditions, the added stress of this is anxiety provoking and over-whelming. I don't know who else to contact. 
I called XXXX XXXX directly but got disconnected during the transfer. I then emailed XXXX XXXX but other than receiving an email citing someone would contact me, there has been no resolution or communication. I have NOT received anything still from XXXX  explaining why this is not resolved.
Consumer complaint received 2020-06-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX/XXXX  partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-08-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have read the company 's response, but they did not address my incorrect " score factors. '' I have 2 hurting score factors. 1 ) " you have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. '' I would like the company to either prove this to me, or remove this negative " score factor. '' In THEIR OWN credit report of my history, I see no serious delinquency EVER nor do I see a derogatory indicator on my credit report. So, this " score factor '' HAS to be corrected or I NEED PROOF of where this negative " score factor '' is coming from. 
2 ) " You have few accounts that are in good standing. '' I NEED an explanation for this. EVERY SINGLE account on my TransUnion credit report is in GOOD STANDING. What is few accounts? Is it a certain number of accounts I need to surpass? Or, are they implying that I have some accounts that are NOT in good standing? If so, I need PROOF of what is not in good standing. My credit report PROVES that all my accounts are in good standing, that is ALL 20 ACCOUNTS IN MY HISTORY ARE IN GOOD STANDING. 

I understand their response in terms of credit score, but the company completely pivoted away from my complaint of the incorrect " score factors. '' They did not address the flaw in this reporting. My credit report is flawless according to the company, which is true, but my " score factors '' are detrimental WITHOUT PROOF of how they are detrimental. My 2 hurting " score factors '' need to be removed immediately or proven to be true, as my credit report proves otherwise.