davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-31
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 accounts have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have Violated my Rights 15 U.S.C 1666 CORRECTION OF BILLING ERRORS 15 U.S.C 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORTS 15 US Code 1605 " Definition of a FINANCE CHARGE '' Truth in Lending Act Regulation Z 15 US Code 1662 Advising of down payment 540 and installments 15 US Code 1635 XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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. (NC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX Date Opened XX/XX/XXXX Hello I am not sure if I checked the correct radio button or not, however we did a voluntary repo in XXXX, the company sold the car and never sent us any documentation, we however disputed on transunion and XXXX and it was removed from XXXX but still showing on XXXX and transunion. However here is the issue this company has charged off the account and yet they have consistently being charging late fees every single month in the amt of the car payment which has now amounted to over {$20000.00} and we owed them less than this so I am really confused how we can be paying late fees on a closed account.We are really in need of help to have this removed and have this company really looked into. For both myself and my husband XXXX XXXX. Can you please help me with this. It shows closed since XX/XX/XXXX and yet they have been charging late fees every month up until XX/XX/XXXX. XXXX XXXX XX/XX/XXXX 2019
Consumer complaint received 2021-01-06
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: Experian Information Solutions Inc. (SC)

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Consumer complaint received 2022-07-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (CA)

I requested information from my prior loan servicer -- Shellpoint. They were the loan servicer until it was transferred to XXXX XXXX in XXXX of 2022. I have been requesting a resinstatement quote from Shellpoint for over a year. 

The prior request they sent, including a response to a QWR, makes absolutely no sense to me and looks to be in error by $ XXXX {$90000.00}! This was even made mopre evident when I received a notice of trustee sale that states the figure is {$430000.00}. The notice of default sent less than a year prior would have made the total amount closer to {$370000.00} ( assuming no payments were made ). 

In reply to their response to the QWR ( a copy of the latest version of that letter is attached ) points out some of these issues. They have stated they have already answered my questions and to take it up with the new loan servicer, XXXX XXXX. XXXX does not have all of the same information that Shellpoint has, so I am stuck and my sale date is quickly approaching.
Consumer complaint received 2021-01-06
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

On XX/XX/2020 I had an account at XXXX XXXX services for a vehicle lease and the lease was paid off and XXXX closed the account. Transunion dropped my credit score from a XXXX to a XXXX ( 70   points ) for no reason. I contacted XXXX  and they never reported a late payment or anything and account was closed in good standing and only change on credit report was the closing of this account. Disputed and Transunion did not change score. Currently at XXXX
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (FL)

On XX/XX/2022 I submitted a dispute towards Experian for reporting inaccurate and incomplete information regrading Account # XXXX located on my consumer report. 
On XX/XX/2022 my disput was completed with no changes made and information still showing inaccurately and incomplete. This is a violation of my rights under the FCRA : 15 USC 1681i ( a ) ( 1 ) ( A ) & ( 4 )- The company DID NOT complete a " Reasonable investigation '' nor are showing " Consideration of the Consumer Information '' 15 USC 1681e ( B ) - They are Not maintaining " Maximum Reporting Accuracy '' 15 USC 1681 ( a ) ( 4 ) - They are not respect My right to Privacy, by furnishing inaccurate and incomplete information
Consumer complaint received 2022-07-01
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. (VA)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : EMPLOYER : XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX : XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAME : EMPLOYER : XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX HL XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 
XXXX XXXX XXXX XXXX XXXX 

TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX. 

Subject : Request for Name Change, Profile Merge, and Updated Credit Report Dear Sir/Madam , I am writing to request an update to my credit profile due to a recent legal name change. Please find my details below for your reference : Old Name : XXXX XXXX XXXX New Name : XXXX XXXX XXXX I kindly request the following actions be taken : 1. Update My Name : Please update my credit profile to reflect my new legal name.

2. Merge Credit Profiles : If there are separate credit profiles under my old name and new name, I request that they be merged into a single profile to ensure accuracy and continuity of my credit history.

3. Request for New Credit Report : Following the updates, I would like to request a copy of my updated credit report to confirm that all changes have been accurately made.

For your reference, I have enclosed copies of the following documents to support my request : A copy of my legal name change document.

A copy of my government-issued ID.

A copy of my government-issue Social Security Card .

Proof of address ( Most recent utility bill ).

Please confirm receipt of this letter and the actions taken at your earliest convenience. If you require any additional information or documentation, do not hesitate to contact me.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (NY)

Cc : Consumer Financial Protection Bureau https : XXXX/www.consumerfinance.gov/complaint/ CC : Federal Trade Commission https : //reportfraud.ftc.gov/ # / CC : Office of the Comptroller of the Currency https : //appsec.helpwithmybank.gov/olcc_form/ CC : New York Attorney General Office https : //ag.ny.gov/complaint-forms I agent XXXX XXXX XXXX XXXX to the principal, XXXX XXXX, sent you a letter : document dated XX/XX/2022 to remove charge offs for accounts listed below : XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You, credit reporting agency, sent a response saying that the accounts were verified . 

Pursuant to 15 USC 1681 ( i ) I agent, XXXX : XXXX, am expressing my consumer rights by demanding a description of the procedure of reinvestigation. In addition, I demand the answers the following questions : What was your method of verification? 
Who did you interview ( neighbor, family members and/or etc ) and what is the contact information ( phone number, email and/or etc ) and what was the interview date? 

Pursuant to 15 USC 1681, you have 15 days upon letter received to provide the demands stated above.

With Regards, XXXX : XXXX/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Consumer complaint received 2024-09-05
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. (IL)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports.
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-26
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO. (CA)

1. I purchased a car from the dealership, and the finance manager, XXXX, took my information and said h

e would set up automatic payments from my bank account after the loan was processed. 2. Months later, I contacted the dealership and the sales rep to We spoke on the phone, and he assured me everything was in order. 

XXXX. Around XX/XX/year>, a 30-day late reported on my credit report. I called XXXX XXXX XXXX to find out why and was informed that no auto pay had been set up.

4. I went to the dealership and obtained a letter stating that their finance manager had given me incorrect information regarding the auto pay and he had never actually set it up. This mistake by the finance manager resulted in the late payment.

I have enclosed my bank statements from that period showing double payment ( {$1200.00} ), also showing an available balance of [ {$77000.00} ], along with a letter from the dealership admitting this was their mistake.
Consumer complaint received 2022-07-01
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-07-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I have tried to reach out to cash app before and even submitted a complaint with the CFPB with this exact same issue.i will gladly go back over everything. I was contacted by a scammer with promises that they would make me money based off the money I sent them. They showed themselves as a legit trading establishment for people that want to be apart of trading the stock and forex markets. They required that I sent them bitcoin  through Cash app and then they would begin. Their website is called " XXXX ''. soon I began to see a fake account they made me, " make money ''. They have a recent trades transaction history that showed profits that were fake. I tried to pull money out but they required I pay a tax for the money they " made '' me. I sent them money through cash app. And then I was required to pay for account verification and approval, and for a wallet that they would provide for me in their own database. I sent them money through cash app whenever they " required it ''. I was already given a response from cash app by the CFPB but customer support said they couldn't verify my account, so I took the liberty to asking cash app support agent if my account is verified. please see the messages between me and the customer support agent to see that my account is verified.
Consumer complaint received 2016-08-28
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stevens Business Service, Inc. (IL)

A XXXX, XXXX, has been attempting to collect debt I do not owe for over 5 months now. 
My physician 's office, The XXXX XXXX XXXX, is responsible for this debt. 
I have provided a receipt showing that I paid The XXXX directly for the services rendered by XXXX on XXXX/XXXX/2016, which I explained in a fax to XXXX dated XXXX/XXXX/2016 and subsequent phone call on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, the secretary at The XXXX XXXX XXXX also confirmed with XXXX that this bill was sent to me in error. 
I have explained the situation again in a letter dated XXXX/XXXX/2016 in which I asked XXXX to stop all communication with me about this debt. 
XXXX never acknowledged any of my communications. 
On XXXX/XXXX/2016, I received a communication from debt collector, Stevens Business Service. This now feels like harassment and poses a threat to my credit history.