davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY (CA)

I received a letter of settlement. I called and asked if the settlement offer was still available. My husband was a XXXX XXXX XXXXXXXX US Vet, service related because of XXXX XXXXXXXX exposure. He was in XXXX  for 39 days and then died. I had not replied to the settlement letter originally because I was spending all my time trying to save my husband in the XXXX  or at the VA making sure benefits were filed properly. The person I spoke to said if I paid that settlement that day, then the debt would be settled. She wanted me bank info on the phone. I asked if I could do it online and she said yes. I went online and paid the full amount of the settlement. Then I received a legal summons- the process server was intimidating and threw - not handed - but threw the summons in my face. The summons made no mention of the settlement or the amount already paid. I immediately called the law firm. After being placed on hold again and again, I was told no payment was ever made, that I was not truthful and the only way to resolve this was to make the full payment - more than what was owed. I had a huge fight with this individual ( XXXX XXXX ) before he agreed that they had received a large portion. But then he proceeded to insist no settlement letter was ever sent to me and I never spoke to anyone at the firm. He again pressured me to pay, nothing would happen with the summons until they had the full amount. Finally, he agreed to honor the settlement. He should have been required to confirm this in writing. He said it would take 14-21 days. Because I had nothing in writing I began calling after 14 days. No one returned the calls. I finally reached a human being who said he was only interested in debt collection, NOT answering my questions. This seems to be their SOP to harass people to pay, without even confirming the amount or the circumstances. I then had to fight and fight again, first to confirm the debt was settled, then to confirm they had dismissed the summons. But I still have nothing in writing. They should be required to provide this same day by email if requested. Why should consumers have this threat hanging over them, and not know if this firm will behave legally, afterall, the first promise was not kept. There needs to be a higher standard that they are held to and in cases where they fail to meet business ethics, everything regarding the debt should be struck from the consumer credit report. Afterall, we can not keep this on their record for 7 years so they can get away with repeated bad acts. If corporations find out they have a bad record for 7 years it impacts their business. If you are willing to accept the concept for consumers, then apply the same when they do not act accordingly.
Consumer complaint received 2019-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX. I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with Transunion and XXXX hoping that they would address this issue. XXXX XXXX then reported back to Transunion that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( Transunion ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.
Consumer complaint received 2023-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2019-05-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Recovery Systems, Ltd (TX)

I have disputed medical debts on my credit report and have each time I am being told they are valid. I do not recognize the original company nor the collection agency. I have two derogatory marks on my credit due to the same company trying to collect twice for different amounts. I receive phone calls constantly, at times I have been threatened to have legal actions, garnishments, etc. The calls do not stop, even though I have continuously disputed this through XXXX XXXX and through the credit bureaus. I want it removed and have not been successful in getting both removed. I have not been provided with information that proves I owe this debt, I do not show ever having used this creditor.
Consumer complaint received 2022-06-20
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. (VA)

Fail to investigate properly and Violated my due process right XX/XX/2022, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter back XX/XX/2022, stating They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times, and violated my DUE PROCESS RIGHTS ( Due process is the legal requirement that the state must respect all legal rights that are owed to a person. Due process balances the power of law of the land and protects the individual person from it. ) The credit bureaus violated my given rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-05-14
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. (FL)

i have written transunion and XXXX to provide me with the verification reporting on my credit file protein the bankruptcy shown on my credit file numerous times and i was denied that information of prove. I wrote the court and received a letter from them stating they doesnt provide public records to the credit bureau..
Consumer complaint received 2022-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I discovered on my credit report that there are incorrect accounts when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be corrected : ATTYGENERL XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-15
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: EQUIFAX, INC. (MO)

Upon checking my consumer credit report I noticed several UNAUTHORIZED inquiries on my credit report to which I did NOT EVER give consent to. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. & 1681i ), unverified inquiries must be REMOVED. Please investigate and remove any unverifiable inquires!

ACCORDING to The Gramm-Leach-Bliley ACT ( GLBA ) enacted in 1999, is a U.S. law that requires financial institutions to establish privacy policies and practices, including informing consumers about their information-sharing practices. 


Upon reviewing my credit report, I noticed the following hard inquiries : [ XXXX  XXXX ] - XX/XX/XXXX [ XXXX  XXXX ] - XX/XX/XXXX [ XXXX XXXX XXXX XXXX ] - XX/XX/XXXX Thank you for your attention to this matter. I look forward to your prompt response confirming the removal of these unauthorized inquiries. If you need any further information from me, please do not hesitate to contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-08-24
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. (CA)

By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts INQUIRYS : XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 Experian XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian FRAUD/REMOVE have violated my rights . according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "
Consumer complaint received 2019-05-14
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. (CO)

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX/XXXX account. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 4 and 5 of the attached credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

Dispute 1 Account Number : XXXX. 
Source of dispute information : XXXX XXXX XXXX XXXX  Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute 2 Account Number : XXXX. 
Source of dispute information : XXXX Number Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report. 

Dispute 3 Account Number : XXXX. 
Source of dispute information : XXXX XXXXXXXX Type of disputed information : Payment History Violates Law Dates associated with item being disputed : XX/XX/2023 Explanation of item being disputed : 15 U.S. Code 1681a 2 ( A ) ( i ) -Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This missed/late payment is considered as a transanction and is not supposed to be reported to my consumer report.
Consumer complaint received 2023-08-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently I did an investigation on my credit report which caused severe distress upon the discovery that my rights were violated by XXXX on XX/XX/2021 for the amount of {$160.00} 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I demand that this be removed from my credit report immediately.
Consumer complaint received 2019-02-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: OCEANSIDE MORTGAGE COMPANY (GA)

I had switched to this mortgage company a few months prior to the incident. We switched to Oceanside mortgage company after they kept contacting us to let us know we could save money on our mortgage. When XXXX came, we were in a bad car accident and had hospital bills as well as loss of a brand new vehicle. We called Oceanside and asked if we could make a larger payment, then pay the rest the next month or even 2 weeks later. Oceanside said they could do even better and have us make 1 payment in XXXX, then spread out whatever we owed over the next 3 payments. We were happy and said thanks, and we were told that we would be counted as late in oceansides system, but once we made all payments we would be fine. So once XXXX came and we were great financially, I got an alert from XXXX XXXX saying my payment history was late on my mortgage. I called Oceanside and said I can't have this because we were trying to get a pool loan and do some renovations and were never told about this, I was told that it has to be that way and they were going to do nothing. I stated I was never informed my credit would be blemished or I wouldn't have done it, I was told it would not change. I have 4 months of late payments now and can't get my home renovated or pool because of this, nor will Oceanside add a comment of payment arrangement or anything.
Consumer complaint received 2019-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

I have had store accounts through Synchrony Bank with an address in XXXX, FL for : * XXXX XXXX XXXX XXXX XXXX. 
*Wal-Mart These accounts have not had a balance in years, yet Synchrony continues to hit my credit report every other month. The phone numbers listed on my credit report will not allow me to close the accounts, only make a payment. 

Synchrony Bank 's direct number was useless in trying to close these accounts and stopping the bank from hitting my credit every other month. 

Because these accounts are old and paid off, I no longer have the card or account numbers.
Consumer complaint received 2023-08-24
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. (FL)

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. I have sent in multiple disputes regarding this account, and it's been removed and keeps coming back, under a different name, and the other bureaus have removed them of my credit report, but you guys refused to do so. I have submitted my police FTC report, and identification for verification. 
-- XXXX XXXX  XXXX, Date fraud began XX/XX/2023 Total fraudulent amount : {$260.00} -- XXXX XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$1800.00}
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

I have incorrect information displaying on my credit report from XXXX XXXX Equifax. 

I have reached out on more than one occasion as well as sent dispute letters highlighting all the discrepancies. I was notified that they would investigate and upon completion of the investigation no changes were made to reflect to correct information.