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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

On  XXXX   XXXX ,  2017  at  XXXX    XXXX   XXXX   central time, I sent a multiple inquiry removal letter via fa x to Trans Union to  dispute information,  XXXX  hard inquiries, that was being reported on my report. TransUnion received the letter  XXXX   XXXX     2017  and they completed the request  XXXX   XXXX ,  2  017, ONE DAY LATER! I submitted a request to investigate   XXXX   hard inquiries that were n't factual and I received the same response for all   XXXX   Inquiries, which was, " inquiries are a factual record of file access. If you believe it 's unauthorized contact the creditor. '' According to the FCRA Rules, 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST BE investigated and if you do n't investigate and respond the credit reporting agency, which is TransUnion, must remove the disputed information from it 's files. The fact that TransUnion made a decision A DAY LATER, one can assume that their was no investigation! I will upload the letter that I received from TransUnion, which will show the date they completed the so called investigation, and my dispute letter, cover letter, and the transmission verification report with the fax date.
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: EQUIFAX, 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit 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 — Account status incorrect
Company: Mitsubishi Motors North America, Inc. (FL)

On  XXXX   XXXX ,  XXXX  I entered into a  XXXX  month lease for a new  XXXX   XXXX   XXXX  with creditor  Mitsubishi Motors Credit of America   XXXX  MMCA  XXXX . Note, that the contract did not assess a Disposition Fee upon return of the vehicle ( see attached contract ). The first lease payment of {$100.00} was due upon signing the lease ( see attached contract ). The subsequent  XXXX  lease payments were paid in  XXXX  lump sum, totaling {$2400.00}, and was received by MMCA on  XXXX / XXXX / XXXX  ( see attached MMCA statement ). At the end of the lease the vehicle underwent a Lease Termination Inspection and there were no charges assessed for either Normal Wear & Use or Excess Wear & Use ( see attached inspection report  XXXX . The vehicle was returned to the dealership where it was purchased in  XXXX  of  XXXX . There was not a problem with this account until  XXXX   XXXX . MMCA fraudulently reported to the  XXXX  major crredit bureaus that I still owed a lease payment of {$100.00} in addition to a {$5.00} late charge thus totaling {$110.00}. I 've disputed this with the credit bureaus supplying them with the proof attached hereto but they have not removed this fraudulent charge because MMCA 's electronic response to the credit bureaus is " this account is being reported correctly. '' On a recorded line with MMCA on  XXXX / XXXX / XXXX  a MMCA representative stated that the {$110.00} charge is NOT owed but still on my account because they have not yet received a " signed odometer statement from the dealership. '' Whether or not MMCA ever receives a signed odometer statement from the dealership, that has since changed ownership, does not give this creditor the authority to commit fraud against my credit history causing an unjust, significant decrease in my  credit score  due to thier fraudulence.
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (AZ)

I had an outstanding bill of  XXXX  ( for services I did n't know I owed ) with   XXXX   on   XXXX   XXXX  nd I currently receive statements from them just fine via email and at my current address. I paid this debt and even spoke to a rep at  XXXX  and said I was fine and it was from a service rep coming to my house for additional services.   On  XXXX / XXXX /  XXXX   I received a call from a collection agency in Kansas for an unpaid debt with  XXXX , I then asked what this is for and they said for {$100.00} and I said for what and they said for  XXXX . I hung up and called  XXXX . Both the billing dept and Collections dept told me I had a  XXXX  balance with them. Then they told me they could n't help me and I needed to speak to billing again. After telling them I was called by a collection agency 5 times they finally looked into it and stated I owed {$100.00} for a unreturned modem from the previous address. I stated I gave that to the technician. They said they do n't see that in their records. I told them I always pay my bills if I miss a bill I pay it as I have before. I also asked for proof of this as I have received nothing in the mail from them saying I owe this. They could n't answer any of my questions but say they sent it. However I received the  XXXX  statement from them just fine and other previous statements. I also said I called in several times prior and this was never brought to my attention. They said it 's not the rep 's job to look at every account. I sign online and my account says I have a  XXXX  balance and I have no messages or notification. I am not paying for something I gave back and have never received ANYTHING in the mail or email that I owe. They can use the excuse of " it 's a different account '' all they want but my email has not changed so they could of sent an email but they have n't. I feel as this is mistreatment and should be reported so no one should go through this as well.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

No confirmation in any form has been received that XXXX XXXX intends to remove their error of {$170.00} reported on the three major credit reporting bureaus, Transunion, XXXX, and XXXX, as admitted in response to my cfpb complaint on XX/XX/year>. 

Moreover, I was charged and paid {$94.00} on XX/XX/year>. I have no bill to refer to. I requested an itemized bill. I have not received a response.
Consumer complaint received 2024-11-02
Product: Credit reporting 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)

XX/XX/year>, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that's the case. How did the credit bureaus edify 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 consumer 's 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 XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's 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. 
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.
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 alleged debt owed from  XXXX  to  XXXX . I tried to contact  XXXX  in reference to this bill and was told they no longer handle the account. I contacted  XXXX  initially via phone but they were not interested in anything besides how was I going to make payment. I had  XXXX  at a previous address other than the  one liste d on the bill that was provided to me as a validation. The previous bill was handled through an amnesty program I was awarded after the equipment was returned. I am not sure where this bill is coming from and why. I requested a contract to show me agreeing to any terms and conditions regarding this account. I am more than sure there is no t one but I  requested it just in case I w as remiss. I  do n't know how or when this account was set up. There is a previous balance listed on the statement that was provided but the statement is incomplete and does not show what the previous balance entailed. After not receiving any assistance from  XXXX  I contacted the credit bureaus directly I never received a response from the but my credit report has been updated as account meets FCRA requirements. I would like to know what documentation or information did they receive that validated this account and meets FCRA requirements.
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 — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I filed for XXXX XXXX Bankruptcy on XXXX XXXX, all credit cards were closed. On my credit report I still get a high credit usage from XXXX XXXX. I disputed it to Experian and the result was that the XXXX card was closed it on XXXX XXXX XXXX. However, the XXXX XXXX keeps reporting to Experian that my credit card utilization is high which lowers my already poor score. It has kept me from establishing new credit as well as obtaining a mortgage through a commercial bank with an FHA approved loan
Consumer complaint received 2017-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On or about  XXXX / XXXX / 17 , I applied for a card and was approved for a secured card. I subsequen tly 20 minut es later I called to cancel the card and void authorization to withdraw any funds from my account. I was told that it was done. On  XXXX / XXXX / 2017  Bank of America withdrew {$300.00} out of my checking account without authorization and have not produced a card or any documentation for the reason and have not refunded my money. Once again this institution has perpetrated a crime as far as I am concerned and has not answered for it. This makes a total of {$420.00} dollars taken without explanation, written or otherwise, but I require written.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I'm writing to impart my nervousness concerning the challenged records on my credit report. On various events, I have raised the issue of mix-ups in these records, and have dependably referenced that they be altogether analyzed. Notwithstanding my undertakings, I by and by apparently can't get any objective or healing action. These wrong records are genuinely hurting my credit report and obstructing my ability to continue with a normal life. The antagonistic results of these mistakes have caused gigantic troubles for me, and I'm left with no choice aside from to contend for your assistance with reviewing what's going on at the earliest open door. I thoughtfully request that you direct a comprehensive assessment concerning the noteworthy of all of these challenged records. It is essential that the fundamental advances are taken to invigorate and change my credit report immediately. With your help, I want to restore the precision and decency of my credit record so I could recuperate control over my financial thriving. I really urge you to offer this matter your most outrageous thought and take a speedy action. Your coordinated effort and moving in settling this issue promptly would be tremendously important. Thankful to you early on for your understanding and help.
Consumer complaint received 2017-05-19
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: EQUIFAX, INC. (GA)

My credit was pulled and sent to a lot of different lenders by  XXXX   XXXX   XXXX  (  XXXX  ) without my consent. I did not signi a credit application, and or privacy policy, I did n't even go on their website and filled a credit application. There is n't a document with my signature that shows that I allowed  XXXX   XXXX   XXXX   XXXX  located in  XXXX   XXXX   XXXX   XXXX   XXXX  GA  XXXX  to pull my credit and shotgun my credit to a lot of lenders.             I checked my credit before I went car shopping and I was at  XXXX  in  one of the bearous.        When I did make my decision in purchasing a vehicle, I went to a different dealership (  XXXX   XXXX   ) to purcha se my vehicle and when I gave them permission to look at my credit they had told me that my score was not  XXXX  and had dropped to  XXXX  and that they could see a lot of inquiries in the last two days from    XXXX   XXXX   XXXX   XXXX  . I call e d    XXXX   XXXX   XXXX   XXXX   and I asked to speak to the manager and they told me he was n't available.       I worked so hard to be able to get it up in the  XXXX  's before purchasing a vehicle and at that point when  XXXX   XXXX  had told me that my score had dropped from  XXXX  sending my credit to different lenders. I had no choice but to take the interest rate  XXXX   XXXX  was offering me because of my credit score dropping so many points after  XXXX LM had used my credit without my consent and sent it to diferent lenders.          XXXX   XXXX  of   XXXX   are the dates that  XXXX   XXXX   XXXX  used my credit to send it to multiple lenders without my consent.       My name is  XXXX   XXXX  and my cellphone is  XXXX
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. (NY)

I need your help with this incorrect account showing up on my credit report. I have brought this to your attention because it has been damaging to my reputation, and I urgently require your assistance. Due to your mishandling of my credit report, the incorrect information has ruined my reputation. It's imperative that these mistakes are corrected so I can live a normal life with my family.
Consumer complaint received 2017-05-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CA)

on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from XXXX XXXX XXXX saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( ACE CASH EXPRESS ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted ACE CASH EXPRESS which informed me my debt was half what XXXX XXXX XXXX stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while XXXX XXXX XXXX is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2017-05-19
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

My house was sold at a foreclosure auction on  XXXX / XXXX /  XXXX  . Around  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  of  Carrington Real Estate Services, LLC con tacted me. I confirmed with her that I was occupying the house with my  XXXX  minor children. She stated that she would request a cash for keys offer for me. On  XXXX / XXXX /  XXXX   ( before I heard back from  XXXX   XXXX  ), I arrived home from work. My son tried to unlock the front door, but found the key did not fit. I took the key from him and attempted to unlock the door. The key would not go in, but I was pushing on the door while trying to unlock it and the door popped open. I looked down and could see the shavings where someone had drilled the old lock. The new keys were on the floor inside the door. The house was completely unsecured ; all my personal property was inside and I had no way to know if someone was in there. I left a message for  XXXX   XXXX  asking about the lock change. On  XXXX / XXXX /  XXXX  ,  XXXX   XXXX  returned my call. She stated that she did not know why my locks were changed. I called Carrington Mortgage Services, LLC. They would not admit there had been a lock change ordered, but I was told that they have the legal right to change the locks. I told Carrington that I know my rights and they do not have the right to change the locks while I, the former owner, was in possession of the house. I told them that they have to go to court to get possession. I told them I would be changing the locks because I did not know who had access to the house. On  XXXX / XXXX /  XXXX  , I was working at home and heard someone at my front door. When I opened the door, there was a man standing there about to drill the locks and put in new locks again. I asked him what he was doing. He said he was securing the house because it was vacant an d Carrington had ordered the locks changed. I told him it was not vacant and that Carrington Mo rtgage and  XXXX   XXXX   XXXX  was aware that I was still in possession of the house. He told m e Carrington had  checked and the house was vacant. I asked them how they checked ; he said they talked to the neighbors. That can not be true. I live in a townhouse and know both my neighbors, who are aware that I am still living in the home. I told him that he has no right to change the locks while I am still living here. He told me that  Carrington had the right to change the locks because they bought the house. I told him they can not change the locks while I am in possession and that they must go through the courts to evict me in the state of Maryland. He left. Carrington Mortg age and  XXXX   XXXX   XXXX  have violated my rights as the former owner in possession of a foreclosed property. Maryland law does not allow self-help eviction. The owner of a foreclosed property must go through the courts to get possession of a foreclosed home occupied by the former owner by filing a motion for judgment awarding possession and then go through the eviction process.