davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
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. (MD)

I have tried to resolve this matter regarding an alleged debt with   XXXX   XXXX   and the credit bureaus. However I have been assisted in no way by any of the mentioned parties. I have never had a  XXXX  account. I contacted the company and ask them to provide me with a contract that would show I agreed to any sort of terms and conditions and they failed to do so. They provided me a partial bill that had some sort of return deposit, early termination fees, and usage charges for a number that does not belong to me. What they failed to provide me with is a contract or any documentation that I signed. After receiving no resolution with  XXXX  I then contacted the credit bureaus my credit report was updated as account meets FCRA requirements but no documentation was provided to me on how they validated this account. After th e 2nd att empt my report has been updated to say reinvestigation accounts meets FCRA requirements consumer disagrees.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

Hi i have been working with SPS since  XXXX / XXXX / XXXX , to complete a short sale on my property, it took til  XXXX  of  XXXX  to get approval, The buyer I had from  XXXX  hung in there til  XXXX  of  XXXX , his lawyer called and said his clients finances had change d 2days before  we were to close  XXXX   XXXX   XXXX , and we could not close, we relisted and by the grace of  XXXX  we found a new Cash buyer on  XXXX   XXXX  the day I was to close, we submitted all documents, for review, i was told it would not take as long as the first time i had already been approved, and the offer was more than what had been approved weeks before, I now I 'm having to repeat and resend over and over documents, each week there is something new, if anyone had half a brain, they would of just resubmitted the offer to the lender for approval. There is no one that has authority, that you can speak to at SPS, and the ladies can only tell me what is needed to move forward.   This is not right my offer should be submitted to the person or company for there approval, I should not have to go thru this again, I was approved to have a short sale done and the offer is more then was approved, already.
Consumer complaint received 2017-05-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am 47 days late on my mortgage t o Capital One N.A. Th e payment is {$2200.00} per month. I just received a letter from them threatening me with foreclosure. They state I must send them {$6600.00} CERTIFIED FUNDS. ONLY THE TOTAL AMOUNT DUE WILL BE ACCEPTED. The month of  XXXX  is still 14 days away. What gives them the right to force me to pay  XXXX ,  XXXX  and  XXXX  at this time? What gives them the right to not accept my  XXXX  payment at this time?
Consumer complaint received 2017-07-15
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: JPMORGAN CHASE & CO. (WI)

In  XXXX  my husband and I financed through Chase Bank the purchase of a   XXXX   (  XXXX  )  XXXX . The entire transaction, including the loan application was done through the   XXXX   XXXX  . In  XXXX ,   XXXX   was found guilty of misrepresenting the amount of car emissions in some of its models ( including ours ). A class action lawsuit was filed and as a result  XXXX  gave customers the option of trading in the car for a cash payment. The payment consisted of two parts. One was the payment to Chase Bank to pay off the auto loan. The remaining amount ( after paying off the car ) would be deposited in our bank account. We took this option, and in  XX/XX/XXXX  submitted the paperwork through  XXXX . On  XX/XX/XXXX , we gave in the car at a local dealer and two days later received the money in our account. When I checked the auto loan, however, I noticed that the full amount paid included the principal balance of {$16000.00} and an interest payment of {$1000.00}. Nowhere were we informed that we would have to pay close to {$1000.00} of interest for prepaying the loan. In fact, the  XXXX  dealer informed us that we would simply be paying the principal balance on the account. This seems illegal and possibly even a scam and I would like to alert other customers to this, especially those participating in similar  XXXX  transactions. Because  XXXX  pays the auto loan balance directly, it makes it easier for the interest charge to go unnoticed by individual consumers.
Consumer complaint received 2017-05-19
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. (CA)

XXXX is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since XXXX 2017, and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to XXXX back in XXXX 2017. After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until XXXX XXXX, 2017. Five months later, after requesting one to be sent to be beginning in XX/XX/XXXX, they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that XXXX is servicing these loans and they are rejecting my fraud packet. However, whenever I call XXXX they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on XXXX XXXX, 2017 and according to the packet credit reporting was to cease 15 days after receiving the packet, which was XX/XX/XXXX. They have yet to do so and had the nerve to tell me they ca n't because XXXX rejected the packet. XXXX does n't even know who I am when I call so how can they reject a packet? If anyone from XXXX actually bothered to called the XXXX number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (MI)

I reviewed my consumer report and noticed a collection account on there that is invalid. I. C SYSTEMS is reporting on my consumer reports that I owe them an alleged debt. I sent them a letter via certified mail to ask for validation of this debt and it was delivered on XX/XX/2023. They have not responded to this. Again I will ask them for the forward flow agreement NOT BILL OF SALE. I also asked for proof of contract that I have with I. C SYSTEMS and finally I revoke any implied consent for them to be reporting to my consumer report and having my personal identifiable information. No consent is identity theft. I demand that I. C SYSTEMS immediately delete the false, inaccurate, and illegal reporting of my consumer report.
Consumer complaint received 2017-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  is reporting three fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX    XXXX  , and for the last five months I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in one lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are four loans that I DID take out in my name but there are three loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to  XXXX  back in  XXXX    XXXX  . After multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,   XXXX  .  Five  months later, after requesting  one to  be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,   XXXX   and according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from  XXXX  actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Consumer complaint received 2020-03-18
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Have an option arm loan, and BALANCE REDUCITON LETTER was sent after modification of country needs to be honored. CALLED MR COOPER SAID NO SALE CALLED TRUSTEE SALE SITE SAID SALE!!!!!!!!!!!!!!!!!!!! WHAT IS GOING ON called XX/XX/XXXX under review! No letter sent or anything!!!!!!!!!!!!!
Consumer complaint received 2024-08-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX, has violated my rights. 

XXXX5 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 person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 7 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of XXXX  yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. Im asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. I no longer have a lien on this vehicle. I own this vehicle free and clear. Thank you
Consumer complaint received 2024-08-19
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-11-29
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. (FL)

I closed all my accounts with citizens bank, ( which are all under my personal name ), with the XXXX XXXX XXXX mgr, XXXX, back in XXXX.About a month ago I see a 30 day, {$20.00} fee late payment my credit report. After several calls, I got a rep who gave me a credit for the {$20.00}, and would sent the info to " credit dispute '' to look at and remove the negative report, and they would be in touch with me. Neither has happened. I keep trying to reach somebody in that department, and am always told they have no phone number. 
They are hurting my credit report for an inarticulate report of late payment, after the account was closed, and amount credited.They need to be sure of the situation before hurting my ability to borrow money, and should be able to be reached to quickly resolve problems! This is irresponsible of them
Consumer complaint received 2017-05-19
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. (LA)

In recent months, I have worked hard to rebuild my credit and paid accounts I did owe. However, there is an account I did not recognize by a company known as  XXXX   XXXX  through my credit report on Experian. I have no recollection of opening an account or authorizing any of my information for collection with   XXXX  . I contacted  XXXX   XXXX  on the number that was provided on my credit report on  XXXX   XXXX ,   XXXX   and requested my application and any other authorizations for validity. The representatives and supervisors whom I spoke with failed to provide any documentation that the account is mine to my mailing/home address and email. As of my last known dispute on  XXXX   XXXX ,   XXXX  , in which I challenged ownership of this account, Experian declared that the account shall remain on my report. When I requested for their method of verificatio n ( FCRA Section 611 ( a ) ( 7 ) ), Ex perian replied that all they did was send a request to  XXXX   XXXX  with no documentation provided to me from the furnisher that the account is mine. I contacted  XXXX  again on  XXXX   XXXX ,   XXXX   and spoke to  XXXX   XXXX  in thei r Vendor Services depa rtment which record-keep applications and other authorization documents. I provided my full name, full social security number, and other information to her, and she found nothing that ties me to that account at all. I contacted Experian shortly thereafter to conduct a conference call as proof and they were non-compliant in accordance to ( FCRA Sectio n 616 ), as well as being told by their supervisor stating that, it did not matter whether or not I authorized the account, the fact that they have my social security number gives them the right report onto my credit file. Hearing this statement hints to me the allowance of fraudulent reporting between these two com panies and Experians reporting practices.     Attached to this complaint is my Experian Credit Report as  XXXX / XXXX /  XXXX   and they can be found on the bottom of th e 8th page as well my personal identification such as my drivers   license and ssn.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I was shocked to see inaccurate accounts on my credit report this morning, and I can't figure out why. I checked my credit report as usual, but this time, there were unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. I'm deeply concerned and request a thorough review of the documents I've sent so that I can stop worrying about this happening again.
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

XXXX XXXX XXXX XXXX. I have been a customer for 20 years. On XXXX XXXX, 2017 I opened a credit card account at my branch in XXXX XXXX California and requested a balance payoff for another credit card at another bank. The requested amount was {$7000.00}. This was to take advantage of their 12 month 0 % offer which I received in the mail. I was approved on the spot and the payoff amount was submitted by the banker. On XXXX XXXX, 2017 I received a call from XXXX XXXX 's fraud department saying that they had received the original request which was pending but shortly thereafter received another request for {$5400.00}. to be applied to the same payoff recipient. I told them that was wrong and not to pay that amount but the {$7000.00} was approved. Concerned I closed the account and went to my branch on XX/XX/XXXX and spoke to the banker who made a call to inquire without result. Counter to my request the bank went ahead and paid {$5400.00} towards the other bank account but not the {$7000.00} per my conversation. They are now saying they ca n't get the money back from the other bank and are charging me {$160.00}. transfer fee even though they paid an amount I never authorized and gave them notice not to send. Paying that amount does me no good at all. I do n't want to pay the fee and would like to know why they sent the lesser amount when I told them it was unauthorized. I have tried several times to get results and have spoken with my banker and several supervisors but they have not responded or reversed the fee. Please help me. Thank you.
Consumer complaint received 2024-08-19
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. (IL)

I was really disappointed to find unauthorized inquiries on my credit report this evening, and Im at a loss as to why theyre there. I regularly check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser to see if it was a mistake, but the unauthorized inquiries didnt go away. This issue is deeply concerning, and Im asking that the documents Ive provided be thoroughly reviewed so I can stop worrying about this.