davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy This Bankruptcy claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXXXX/XX/XXXX
Consumer complaint received 2023-03-24
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. (NV)

When I investigated my credit report, I realized that some of the information was erroneous. The EXperian is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX XXXX XXXX {$32000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$260000.00}.
Consumer complaint received 2023-05-10
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: Absolute Resolutions Corp. (CA)

I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2023-05-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (NY)

On XX/XX/2023 I sent XXXX to myself from my chime account... When I tried to claim the funds the link stated something went wrong and I was not able to claim the funds. I sent myself XXXX dollar and I was able to claim those funds. I have proof that the funds were never claimed. When I try to re claim the XXXX dollar that I sent it says your funds has been claimed. When I click on the link to claim the XXXX dollars it says something went wrong. It does not say the funds were claimed. I have attached the screenshot.
Consumer complaint received 2023-05-10
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: NAVY FEDERAL CREDIT UNION (FL)

On XX/XX/XXXX I submitted a mortgage loan estimate request through Navy Federal Credit Union ( NFCU ). Undenounced to me, I had already met the unknown and unpublished 80 % home loan threshold at Navy Federal Credit Union and was later told they could approve a third of what I wanted. Had I known or had any transparency from NFCU I wouldve never requested a mortgage loan. Also, I never approved a hard credit pull but instead was requesting information. Please remove this hard credit pull for a mortgage loan as I am reporting you to the authorities. I'm willing to bring in legal counsel to aid in this resolution if necessary. Remove hard credit pull from all three credit bureaus. 

This is not a duplicate dispute and should not be marked as such.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc (CA)

I am exercising my rights under the FCRA section 609, to request information regarding a collection account that was placed on my consumer credit profile ( s ) for the amount of {$120.00} on XX/XX/2023. Under the FCRA section 609 I am entitled to request information regarding the collection on my consumer credit profile ( s ) I am requesting the original contract between myself and the original creditor with my signature on the document ( s ) binding me to this debt, stating that Ive agreed to repay this debt if default occurred. If the collection agency can not provide me with the original contract containing my signature on it binding me to this debt within 30 days then a fair resolution would be for the collection agency to DELETE the account from my consumer credit profile ( s ) it is actively reporting to immediately.
Consumer complaint received 2023-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

Per Mohela document dated XX/XX/23 from I have credit for XXXX payments via PSLF ( Public Service Loan Forgiveness Program ).

My credit report is not reflecting the payments being reported. The creditreport is still showing a balance of {$8100.00} and per the same attached letter from Mohela my principal balance is {$7900.00}.

Deducting XXXX monthly payments at {$80.00} per month as shown in the attached document from the {$8100.00} on my credit report my balance should show $ XXXXIf we usetheprincipal balance applying the PSLF payments I should a balance of {$3800.00} ( $ XXXX $ XXXX {$3800.00} ).
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY (PA)

I was stranded in XXXX during the beginning of the XXXX pandemic. I had my vehicle parked in the economy lot of the XXXX XXXX XXXX. When I was finally able to return to pick up my vehicle, I was unable to pay the parking fees as they were exorbitant. 

I attempted to work with both the parking authority and the bank that I received the loan from, but neither would offer any assistance and were entirely inconsiderate of the unprecedented situation that occurred due to the XXXX pandemic. 

Eventually, even though I was maintaining payments on my loan and making all possible attempts to retrieve the vehicle, the bank decided to repossess the vehicle, and I was forced to default on the loan. 

After the vehicle was repossessed, it was then sold through an auction, and the proceeds from the sale were applied to the remaining balance of the loan. However, they then added the cost of the parking lot fees to the balance of the loan, and have reported it to credit bureaus as a delinquent account. 

In summary, due to unprecedented circumstances surrounding this situation as a result of the XXXX pandemic I was forced to relinquish possession of my vehicle in a manner which seemed unjust. Furthermore, after having the vehicle repossessed without any recourse, I have had my credit score damaged due to what was, again, an unprecedented situation that affected billions of people worldwide.
Consumer complaint received 2023-05-10
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. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-05-10
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)

Per The XXXX XXXX XXXX XXXX XXXX. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file 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. I have sent an FTC identity theft report NUMEROUS times and you are in VIOLATION of this law because I am a victim of identity theft!!! These accounts are a result of identity theft. Account name : Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX Please delete these items IMMEDIATELY! I have attached my identity theft report. These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY. Lastly per the FCRA I am entitled to {$1000.00} per FCRA Violation. Please send me a check for {$2000.00} for willful violation of [ 15 U.S.C. 1681c-2 } and [ 15 U.S. Code 1681b ]. I trust that Transunion do not want to this matter to go into a court of law as I am litigious consumer. Please remove these items from my credit report. Attached is a copy of my identity theft report that list these XXXX items.
Consumer complaint received 2023-03-24
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. (NJ)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately. 
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
Consumer complaint received 2023-05-10
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. (TN)

ive contacted the following companies ' XXXX, Transunion, and XXXX, about my credit profile having wrong names listed as well as the wrong address on file.to no avial i have yet to get any help updating these issues. also to alert companies about fraudulent activites.
Consumer complaint received 2023-03-24
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. (FL)

I have disputed with the three credit reporting agencies and these companies have refused to reinvestigate, or even validate the accounts ive been disputing as mines. it's been passed the 15 days given to them by law. they haven't responde din 45 days, and haven't sent any correspondence saying or giving updates of my disputes. and according to the fcra, they can not report anything unverifiable or not 100 % accurate.
Consumer complaint received 2023-03-24
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: CITIBANK, N.A. (GA)

In accordance with the fair credit Reporting act XXXX Account the company has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-16
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. (WA)

There were issues with my automatic payment that I wasn't aware of because I'm in the XXXX and we were out to sea during that time. The issues were resolved, and the account was paid up. I've been a loyal paying customer for nearly two years without any missed payments.
Consumer complaint received 2023-03-16
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. (NY)

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX Date Reported - XX/XX/2018 Payment Status - 120 Days Late Account Status - Transferred Account Type - XXXX XXXX XXXXIndividual Original Loan Amount - {$16000.00} has violated my rights. 

1

5 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
Consumer complaint received 2023-05-10
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. (TX)

I have previously disputed this item with you and in response you verified the item as accurate stating you verified with the court, I contacted the court and their response is enclosed. It is clear they do not report to you or any credit bureaus for that matter therefore your original response verifying was either in error or a LIE either way the reporting requirements do not comply with the FCRA section 611 15 USC section 1681 and the information must be deleted immediately.
Consumer complaint received 2023-03-24
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. (TX)

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX. Date Opened XX/XX/XXXX XXXX XXXX XXXX Account number XXXX. Date opened XX/XX/XXXX XXXX XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX XXXXXXXX XXXX XXXX Account number. XXXX. Date opened. XXXX XXXX, XXXX XXXX. Account number. XXXX. Date opened. XX/XX/XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2023-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr. Cooper bought my XXXX XXXX  loan about 6 months ago. 
1. They require i request Auto Pay via their App! 
Despite 10 tries and multiple calls, App does not work 2. I sent checks. Never ever had to mail checks to mortgage company. Auto pay is standard 3. They still charged a late fee for an auto pay their representative set up via phone 4. They don't have proper customer support for XXXX XXXX customers So App doesn't work. I don't have time to call them during my working hours. 

Their policies are a conspiracy to charge late fees! No working App, no customer support, chat is NOT a sufficient resource! 
Thus is : Breach of Fiduciary Responsibility by Mr. Cooper Fraud by charging me late fees caused by their lack of necessary customer support. 
Conspiracy as their policies and lack of support result in late fees. That is their goal I've paid mortgages since 1989! No bank has ever withheld support regarding payments. No bank forced customers to go to App No bank support unavailable in my XXXX XXXX  evenings No bank pushes automation ans Chat as a substitute for real needed support They just hung up from my 11th call! 
Stating late fees are part of the contract There would be no late fees if they lived up to their legsl obligations Breach of Fiduciary Responsibility, Conspiracy, Fraud and unavailable support are all justified LEGAL complaints against this horrible Mortgage Lender
Consumer complaint received 2023-07-27
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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
Consumer complaint received 2023-03-24
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. (NV)

Regardless of the multiple written requests, the ACCOUNT listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the account below in my file : XXXX XXXX XXXX XXXX : {$810.00}.
Consumer complaint received 2023-03-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (GA)

I previously received a personal loan ( interest-bearing loan ) in the amount of {$10000.00} with an interest in a total of {$13000.00} estimated. For the first three months of the loan, I made monthly payments of {$420.00} and on the fourth month, I paid {$3000.00} towards the principal. I was told that the next payment was due five months later. I started up my monthly payments of {$420.00} with my balance being {$10000.00}. For the last year, I have made monthly payments of {$420.00} and there has been no change in my balance. I spoke with several representatives and was advised it is an interest-bearing loan which only means interest is applied to the loan, but I don't understand why a total of {$5000.00} haven't been applied. Not even a {$1.00} has dropped off when a year of payments.