davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
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: LD Holdings Group, LLC (MO)

After using XXXX to check rates for mortgage refinancing in XXXX XXXX, I was contacted by multiple companies. One of these was Loan Depot. I was contacted by XXXX who requested some more information in order to give me a rate. I provided this information. He then stated that he would need to pull my credit in order to provide me an accurate rate. I said that I did not want my credit pulled. He then asked me why I did n't want my credit pulled, and I said because I was not really interested unless the rate would be less than the 2.75 % interest rate I already had. He was unable to assure me of that so we did not proceed. About two months later I received a letter in the mail indicating that Loan Depot had rejected my mortgage application and it was incomplete. I contacted the company to ask why I had received the letter, and they indicated it was because I had started a loan application. I said I had done nothing of the kind and they said they would investigate the situation for me. I then noticed on my credit report that XXXX had information from XXXX XXXX, 2017 for an inquiry. I called XXXX and they indicated Loan Depot had filed the inquiry. I indicated I had never given my permission and they said they would file a complaint with all three credit bureaus to dispute the information and get back to me in 60 days. I also requested the contact information for this Loan Depot organization. I spoke to XXXX XXXX and he stated they did show I had applied for a loan with them. I said I absolutely did not and the reason it would be incomplete was I never applied in the first place. He indicated there was nothing he could do. So I requested the legal department contact information. He said the legal department could be reached by mail at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never authorized my credit report to be pulled and the information I provided to Loan Depot was never stated to be used for that purpose before I provided it. If they do not rescind their errant request which was made inappropriately for my credit report I plan to pursue legal action against them to stop them from taking other customers ' information without authorization and would appreciate your follow-up.
Consumer complaint received 2017-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (MD)

On XX/XX/2017 my vehicle was stolen.
On XXXX XXXX, 2017 I received a notice from XXXX XXXX XXXX XXXX stating that I have a collection notice for unpaid photo enforcement citation. This notice stated I had a photo situation taken on XX/XX/2017 after my vehicle was stolen. I NEVER received any correspondence stating I had a photo enforcement situation.
The only correspondence I received was from XXXX XXXX XXXX XXXX. I called the photo enforcement for District of Columbia and they told me it was nothing I could do since the ticket was so old. I tried reaching out to XXXX XXXX XXXX and they stated there was nothing they could do I needed to contact the District of Columbia.
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

XXXX is stating that I opened an account with them, I have been with XXXX for 13 years and DID NOT open any account with them, matter a fact I was on life support last year when they say this happened. My old landlord found a box with equipment in it 3 months after I was in the hospital and brought it to is and I sent it all back since apparently someone was trying to do something not legal. I have sent the company the tracking number of the merchandise returned to them and they still have not removed it. 
XXXX XXXX XXXX Opened XX/XX/2018 {$1200.00} Original creditor : 11 XXXX Remarks Placed for collection Original Creditor Name 11 XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. There is a serious issue of possible fraud, I am not associated with these following addresses please delete. 

XXXX XXXX PATH, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2017-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP (IL)

I called company to dispute the debt as it is my right under FDCPA, and agent from the company refused to accomodate my request. They claimed I owed the State of IL because of late taxes, but they refused to provide me with a verification of debt. I believe this company violated one of my rights under the FDCPA
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (UT)

I have paid my account to XXXX in full as of XX/XX/2018. XXXX, XXXX XXXX ( their lawyer ) and all three credit report agencies are not updating my credit reports to show this is a satisfied debt. The CRAs said I have to contact XXXX to have it updated. I contacted XXXX twice by mail with proof of payment from my bank and proof from my letter from the lawyer that it is satisfied. XXXX sent me letters saying its correct on my report. No its not. Its still showing as a collection account. Its paid. Plus its showing under XXXX and XXXX XXXX XXXX as a bad debt!
Consumer complaint received 2018-07-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (TX)

Midwest Recovery has recently purchased a debt that I do not owe from XXXX XXXX and after repeated attempt to ask for verification that I owe the debt I have not received a response or verification. The debt has past the statute of limitations according to my state laws in Texas. I am also aware that re-aging of a debt in an attempt to collect on a debt is also illegal under the Fair Debt Collection Practice Act. the most current date on this collection is XX/XX/XXXX for the amount of {$980.00}. I also have proof that this account was should the first date of delinquency is XX/XX/XXXX which mean the account was re-aged in an attempt to further collect on a debt.
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (FL)

OnXX/XX/XXXX purchased an entire bedroom set from XXXX XXXX. One of the items delivered was damaged and defective - I immediately contacted XXXX to advise - They offered for me to either have the item repaired or keep it for a discounted credit towards a future purchase - not a refund - I objected that I paid in good faith for a brand 'New ' bedroom set that I should not have to have 'repaired ' on delivery. I Also declined the offer for the 'discounted ' credit as I should not have to lose a dime for something that was sent to me defective and I paid in full for it {$260.00} to be exact. I asked them to pick up the item and they refused insisting they had to schedule a repair - I advised my house was not a junk yard and the audacity of them to insist I store junk that they delivered. I returned the item to the XXXX store and brought it in the showroom and advised I would contact my bank. Citibank issued a provisional credit which they have now advised they are reversing because they claim to have requested additional information from me which I mysteriously did not receive. The response from the vendor is false - I did not leave anything outside neither was i offered an exchange. Clearly if I was, we wouldn't be at this point. They noted that they offered an exchange in their response to citibank if I picked the chest back up - That is incorrect.
Consumer complaint received 2018-07-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

Hi there, At the moment to signed the lease with XXXX XXXX  City by XX/XX/XXXX - I wanted to make sure there was not hidden fees, reason for which I asked about the other charges for the amount of XXXX $ that appear in the contract to the sales person who explained me that amount will be charge if vehicle shows excessive wear and tear. He explained me that they will have to reconditioned the car in order to sale the vehicle. I believe him and decided to sign the lease. Of course, I also checked online what the term Disposition fee  means. 

After I received the bill for {$380.00} I spoke with somebody at Toyota and they suggested me to write a letter to Toyota Financial which I did and sent out on XX/XX/XXXX. Today I have been contacted by them saying I have to pay that amount because that amount is a fee that they pay to transfer title to an auction? I do not know why I have to pay a fee to transfer the car to an auction dealer. 

My lease ended on XX/XX/XXXX same day I gave back the car and make sure car was completely clean, polish like they supposed to receive it in order to dont get charge that amount. My mileage was law and car was in excellent condition. I am attaching pictures and documents together.
Consumer complaint received 2018-07-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (TX)

XXXX XXXX XXXX has been reporting that I owe {$7700.00} on my credit report however, I am aware that any debt collector company that does not have a surety bond in Texas do not have the legal right to collect or report a debt the credit bureau.
Consumer complaint received 2024-10-03
Product: Credit reporting 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. (PA)

Unauthorized inquiries suddenly appeared on my credit report this morning, and I have no explanation as to why. I check my credit report regularly, and this time, there were discrepancies that shocked me. I tried refreshing my browser, thinking it might be a glitch, but the unauthorized inquiries didnt disappear. XXXX extremely XXXX, and I demand that the documents Ive sent be properly reviewed to resolve this issue immediately so it doesnt happen again.
Consumer complaint received 2018-07-05
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC. (KY)

During the time of misfortune I managed to get behind on my mortgage from XX/XX/XXXX-XX/XX/XXXX. My loan is with XXXX XXXX XXXX.

I was told by a rep by phone in XX/XX/XXXX that we could get up to 6 months removed for our credit that was reporting 30 days late during this time when or at the time we could cath our loan up to date. 

We managed to this and now they are saying that is nothing they can do and not sure why a rep for them said this and there is nothing they can do. If I knew this it would of helped manage and prepare for this time. We are in the process and selling and maybe buying again and this is holding us back.
Consumer complaint received 2022-11-24
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)

I'm requesting a Reinvestigation of every XXXX listed below because I did not authorize that my credit be run like this. This makes no sense to me at all! I want to know why these companies ran my credit report this many times, the way they did. This is definitely a violation of my rights In Accordance With the Fair Credit Reporting Act. These items could not have been reviewed or investigated correctly, look at how many times my credit was repeatedly run back to back! Incorrect Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is inaccurate reporting, which is a violation of my federally protected rights. I am really upset about this obvious oversite, and it seems as though someone is deliberately trying to ruin my credit. XXXX XXXX XXXX section XXXX A. States that I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX that the consumer reporting agency can not furnish an account without my written instructions. I never provided any kind of written instruction for my credit report to be run like this. Someone should have noticed these mistakes other than myself! I am really upset about this type of inaccurate and negligent reporting. XXXX XXXX XXXX ( A ) ( XXXX ) XXXX that no consumer reporting agency may make any consumer report containing any of these items of information. My authorizing any company to run my credit report like this is False. XXXX XXXX XXXX ( A ) ( XXXX ) 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. This is this is apathy to me. It's also plain to see that no consumer would give consent to run their credit back to back like this, knowingly ruining their credit, especially me. Someone should be held responsible for this and deletions done immediately.
Consumer complaint received 2018-07-09
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)

I have send TransUnion a total of 3 letters regarding inquiries that they are reporting on my credit report. The last letter I send with tracking number XXXX. They are reporting not yet proven compliant information. TransUnion has detailed on my credit report and reporting several allegations of inquiries that have not been adequately verified in a compliant manner as mandated per the FCRA Metro 2 reporting regulations, namely that do not have verifiable proof of permissible purpose and the chicanery led to subterfuge is UNLAWFULLY injurious to my credit and reputation which is clear infringement of my consumer and civil rights. Instead of making a dispute on these errors after sending 3 dispute letters instead TransUnion ignored my letter not once, not twice, but yet 3 times all they send me was a letter stating inquiries are factual and also they did not even mark these inquries as disputed. I informed them that I did not authorize anyone employed by the companies to make any inquiries and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681 b ( c ) and a serious breach of my privacy rights. I requested that they remove the fraudulent inquiries from my credit report immediately that is maintained under my social security number.
Consumer complaint received 2018-07-09
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA (NJ)

XX/XX/18 I paid XXXX late fees and requested an extension of my loan XXXX XXXX XXXX. I sent the paperwork back four times and the claimed they never received it. After a minor operation another rep called me and said if I went to staples she would fax it to me there and I could sign it and send it right back. They started trying to fax my phone number. I went to staples faxed them and told them they were using the wrong number. No response. I was getting harassed repeatedly XXXX and 4 times a day. I spoke with no less than XXXX rep and explained, no one paid any attention and just kept calling. People would tell me that they would call me back the resolution and didn't. They just continued to harass me at work, at home no matter where I was. When I would block one number, the would call from another. I have been so stressed, that my XXXX XXXX flared up and was hospitalized. Due to my condition, I can't live with that much stress.
Consumer complaint received 2018-07-06
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. (PA)

I had previously filed a dispute with all three credit reporting agencies regarding an outstanding collection account from XXXX XXXX. In working with XXXX XXXX on an agreement, it was discovered that bills had never been sent to an updated address after I had sold the property service was for. I pad the collection and submitted documentation to the credit reporting agencies. XXXX  and XXXX updated my credit report by removing the account, but Experian has not. In re-filing the dispute I have discovered they will not permit a dispute about their previous judgement, but they provided no notice and provide no rationale for keeping the collection on my report. They do, however, suggest paid services through their company with the implication that paying for their services will provide more favorable results. I would like Experian to remove this collection from my account and I do not wish to have to purchase their services to do it. The other two agencies handled this without any fees.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

On XX/XX/2018 I sent a written request via USPS to TransUnion for a free, complete copy of my credit report. I included proof of my Identity and current address with my written request. 

This is the first credit report that I requested during XX/XX/2018. 
This is the first credit report that I have requested in the last consecutive 12 months. 

I have not received my Free credit report that I requested.

I have received no response from TransUnion and my request was made over 90 days ago.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Early Warning Services, LLC (NV)

I have tried to dispute inaccurate information listed on XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX FAX XXXX XXXX There are multiple incomplete and inaccurate information listed on my account. I have called both banks they have listed XXXX XXXX XXXX and XXXX XXXX XXXX. They have told me the issue is with XXXX XXXX XXXX and how they are reporting. I do not have any outstanding balances with either banks and have been told by the banks that the account reason being closed that was sent to Early Warning was closed which does not convey a negative situation. XXXX XXXX XXXX give me the run around telling me to call the banks and this is the information the banks give me telling me to call Early Warning because they are putting information that is incorrect, incomplete and deragatory.
Consumer complaint received 2018-07-05
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. (AZ)

I contacted Transunion and spoke with a supervisor whom I advised Of 7 hard inquiries on my credit report that were not authorized by Me. I did not request for my report to be pulled by any of the companies listed below. I was instructed by the representative that I could file a complaint on the hard inquiries from the following companies that I will list below. 
XXXX XXXX refused to assist me in disputing the inaccurate information. She refused to dispute or investigation stating that they do not dispute the hard inquiries and that I had to contact the companies directly or if I did not want to do so I could file a complaint. 
My complaint is that Transunion does not have any signed documents that allow them to place hard inquiries in my credit report therefore I would like the removed immediately. the unauthorized Inquiries are as follows - I am Requesting that Transunion Remove the following Hard Inquires from my report. The report number for my Transunion is XXXX 1. XXXX XXXX - inquiry XX/XX/2017 2. XXXX XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXX   XX/XX/2017 6. XXXX XX/XX/2017
Consumer complaint received 2018-07-05
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: EQUIFAX, INC. (FL)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

This item Bankruptcy : Discharged CH-XXXX XX/XX/XXXX XXXX-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 These items could not be validated with written proof of contracts or chain of title for collection agency along with copy of license for the state and it has been well over 30 days as required by law. The original request occurred XX/XX/XXXX, followup sent XX/XX/XXXX and then again XX/XX/XXXX