davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I received an email from a credit monitoring service indicating that a new account was added to my TransUnion account. Upon further investigation, the account that was being reported was a new collection account. I contacted the XXXX XXXX XXXX ( XXXX XXXX ) and was informed that TransUnion was reporting to XXXX XXXX XXXX a collection for XXXX XXXX and that I needed to contact TransUnion for details. 

I contacted XXXX XXXX and spoke with XXXX XXXX who informed me that this company was handling the collection and that she could take a payment. I explained to XXXX XXXX that services were never provided by XXXX and that the charges they were reporting were inaccurate. I requested that XXXX XXXX XXXX and XXXX XXXX send me what documents they used to validate the debt from Spectrum and she informed me that she didn't have such documentation and that I needed to contact the original creditor for that information. 

Upon contacting TransUnion the same day by chat, I spoke with agent XXXX, who informed me that the information that I was told was reflected on my credit report was not visible to her and that I needed to wait 2 weeks - 30 days for it to show on my credit file and then dispute it. I requested that she dispute the account and send me all signed documents showing that the " alleged '' debt was mine. XXXX informed me that she could not dispute the account since it wasn't visible to her and that she didn't have the documents that I requested and to contact TransUnion directly for dispute. 

On XX/XX/XXXX, I contacted TransUnion and spoke with agent XXXX who informed me that she didn't see the account that was being reported and that TransUnion does not provide proof that debts are valid, and that I would need to go to the original creditor to request this information. XXXX transferred me to the XXXX Department within TransUnion where I spoke with XXXX XXXX and requested that he dispute the item and send me a copy of the original contract, with my signature establishing services, and was informed that they didn't have that documentation. I informed him that according to the FCRA Section 609, I am allowed " proof '' that this debt was validated and all contracts/documents used to validate this account. XXXX indicated that he would file a dispute ( Dispute ID XXXX ) but could not send proof that the debt was mine and validated as being mine. 

I contacted the original credit XXXX XXXX and XXXX with XXXX who transferred me to XXXX. XXXX informed me that she saw the account but couldn't send me any documentation showing proof that the account in the collection was actually my debt. I requested that this documentation be sent as it was my right under the law FCRA Section 609, she informed me to contact an attorney.
Consumer complaint received 2024-07-22
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: ADIR INTERNATIONAL LLC (CA)

The negative rating on my account is a source of major concern. I'm extremely worried about how it's affecting my credit. This derogatory mark has already led to a loan rejection and higher interest rates on my current credit accounts. I can't overstate the serious financial and emotional toll this is taking on me, which will persist until this issue is resolved.
Consumer complaint received 2023-08-26
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. (NM)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2018-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (MO)

I was reviewing my credit report and found this on my credit. I do not have a account with Ad Astra Recovery which is reporting on my credit I am requesting this removed This is a violation of the fair  reporting act I have no con	ract with this company or there client. I wasn't even given any validation. /this is fraud I have no knowledge of this account. please delete.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UNITED STATES MINOR OUTLYING ISLANDS)

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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 XXXX
Consumer complaint received 2023-11-06
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. (NJ)

I had written Transunion about this issue and they refuse to remove this hard inquiry off my credit report, I explain to them that its illegal to report hard inquiries on someone report with out there consent or proof of documentation. Which trans union fail to valid any evidence
Consumer complaint received 2022-01-05
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: Shellpoint Partners, LLC (VI)

Company : Shellpoint XXXX XXXX XXXX XXXX, SC XXXX Loan # XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX VI XXXX XXXX Borrowers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Modification Process XXXX* didn't provide accurate information XXXX* received documents as requested and had issues with the signature of XXXX XXXX XXXX XXXX Didn't give the proper address to resend revised documents XXXX* Asked us to provide a Quitclaim Deed to have my name removed but later rescinded that claim. ( please listen to recorded phone conversations ) XXXX* Told us because the modification is in the process we will need to pay after it's finished XXXXWill there be late fees or show up on my credit report XXXX* answer- No! 
XXXX Some of this can be backed up through emails XXXX* My credit report is showing 60 days late XXXX* We will fix it, but never did. 
XXXX* Today- My 60 days late wasn't any fault of theirs. 
XXXX This is unfair and unprofessional, especially when you have recorded conversations and you make it a point to notify the customer. Their representatives should not be allowed to misrepresent the truth.
Consumer complaint received 2023-03-22
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. (IN)

Contacted XXXX because my credit score dropped XXXX points since XX/XX/XXXX. I was told there's nothing they can do. Other rational : 18 Hard inquiries ( Trying purchase a new car, so the dealership shop my credit without my permission. All inquiries was completed within 45 days Department/XXXX is reporting delinquency XX/XX/XXXX to XX/XX/XXXX. My student loan was going thru the process of consolidate to one loan. Consolidate to one account and paid XX/XX/XXXX. XXXX XXXX was with any miss payment, however they was late due loss employment from XX/XX/XXXX - XX/XX/XXXX Hired XXXX XXXX, however after a year or so it was becoming financial strain no results despite errors, multiple mailing and escalating letter
Consumer complaint received 2024-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Exeter Finance, LLC. (NJ)

XXXX XXXX Exter Finance Auto Loan. Account Number XXXX. This is not my debt I would like to see Proof of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Consumer complaint received 2024-05-16
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: Experian Information Solutions Inc. (NJ)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$990.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$5400.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XX/XX/2024 XXXX XXXX XX/XX/2024 XXXXXXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. & 1681 et seq. for unlawfully obtaining my [ Equifax, XXXX, and/or XXXX ] consumer report on { XX/XX/XXXX } without my authorization or a permissible purpose under the FCRA. See 15 U.S.C <> 1681b. Specifically, the FCRA provides. A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681c of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. <> 1681 ( f ), XXXX XXXX XXXX XXXX XXXX  2d 711 ( S.D. Ind, 2003 ). 
I have not initiated and transaction with [ XXXX XXXX  DBA XXXXXXXX XXXX XXXX XXXX  XXXX XXXX ], Further, I do not have an account as defined under 15 U.S.C for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C <> 1681q. 
As a result of you unlawfully obtaining my consumer report without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees, 15 U.S.C. <> 1681n ( a ) For the sale of judicial economy, I am willing to settle this matter without any admitted liability, I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of the consumer report from the consumer reporting agencies and ( 2 ) pay me {$1000.00} and deliver it to my address above with 14 days of receiving this demand. 
Please be advised that I am prepared to litigate this matter if you do not comply with this demand, Upon timely receipt of the {$1000.00}
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

I have multiple fraudulent accounts, Names, addresses and phone numbers on my credit report I disputed them and the CRA removed what they wanted too not what I reported to them and then they never responded to me with how they verified or with what info they used. So I filed a Identity Theft report with the Identitytheft.gov I was going to file with local police but they told me because I did not know who the crime was committed by that they cant take a report. So I filled out a affidavit and had that notarized and sent everything to Experian via certified mail with return receipt. They in turn just sent me a letter via internet telling me that they verified the debt as accurate with no investigation steps taken to verify the debt. This took over 45 days and they are playing games by investigating accounts that i did not dispute. They have also allowed companies to view and receive my credit reports and private information that i never authorized multiple times. I am a XXXX XXXX XXXX XXXX XXXX who has been homeless for the last two years and currently living in a shelter because of the fraudulent accounts that Experian lists on my credit report are preventing me from acquiring adequate housing for me and XXXX  XXXX XXXX XXXX. I am seeking legal council and representation through the VA free of charge to file lawsuits against Experian for the illegal business practices and the monumental damage they have caused me both mental health wise and financially.
Consumer complaint received 2023-08-26
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: OneMain Finance Corporation (NV)

I'm trying to pay off my XXXX XXXX credit card instead of paying monthly and show it paid off on credit reports. I only 3. The other 2 are paid off. I'm trying to get the 3rd. 

So I applied online with One Main Financial. I was approved for {$11000.00} secured loan. 
In order to obtain funds, the next process is to submit the required documents. I submitted my driver 's license, vehicle registration, vehicle insurance, vehicle title, and paystubs from two different jobs ( XXXX XXXX  which they allowed, the XXXX they didn't because my proof was by bank statement and they only accept alimony, etc as proof of income via bank statement ). 

After I submitted the documents they moved the goalposts and asked for my 1040 Schedule C, and proof of tax extension. I sent my XXXX XXXX XXXX XXXX schedule C and my XXXX proof of approved file extension from XXXX XXXX. 

Now, they're saying we can't complete the loan without proof from the IRS that it was successfully extended. I responded, " XXXX wouldn't send me the email confirmation if they didn't get it approved from the IRS ... '' She then says I know, but we need IRS confirmation. That's XXXX. If I ask to see that in writing I guarantee you it wouldn't be there. They just don't want me to have the loan. I only want to pay off a {$3000.00} revolving credit card with 35 % interest. My car is worth {$6000.00}. I only {$3000.00}. They're stopping me for a file extension. Same scenario but caucasian they're not putting me through all the hoops. 

When an XXXX says they have to be XXXX better to do average, this is what they mean. We have to jump through more hoops.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

On or about XXXX XXXX I noticed unauthorized charges on my account for the company cash app. I called and reported this to my bank immediately and was given claim # XXXX. After 10 days of not hearing anything I called back. I was told my claim had been denied because there was a previous transaction with this company that I didn't dispute. I inquired as to the transaction they were referring to and was to told it was a transaction from XX/XX/2023. I explained that, that transaction was also unauthorized, I told them id explained to the representative taking my dispute that I've never used cash app and that all and any debit or credits with that company needs to be disputed. I did not look 6 months prior in my account while I was on the phone with the representative, I had never noticed that transaction before. At this time they allowed me to also dispute that transaction giving me claim # XXXX. They also allowed me to escalate the previous dispute stating they would note that I only missed on transaction in my dispute because it was months prior and I told representative id never dealt with this company ever. The bank refunded me {$400.00} then reversed it. Every time I've called which has been 3 times since XXXX I'm told my escalation is done and someone will contact me. However they never do. The bank is using a transaction that the representative failed to notice and include in my dispute to say that I've done business with the company even tho I also went and disputed that charge when made aware. And now I'm just being ignored
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Orions Management Group, LLC (NJ)

I have disputed this account several times. Even with the CFPB. I got a letter stating that this account was no longer on my report. Its still on my report and its reporting open. The letter says this account was charged off so it shouldnt be reporting every month. They are reporting that the account was open XX/XX/XXXX but sent a response to the XXXX  it was opened XX/XX/XXXX. The amount is different on my report than in the letters as well. They only sent me a copy of payments from XXXX. The signature on the contract isnt mine. This account needs to be removed for all the inaccuracies on my report and the letters that they send. This is a clear violation under the FCRA.
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I was selling my vehicle for {$25000.00} the payoff on the vehicle was {$16000.00}. The buyer gave me a certified bank check in the amount of {$25000.00}. On a recommendation from the bank teller at my local branch when depositing the check they said I should put the whole payment towards the payoff of the vehicle and they will refund me the overpayment amount. They said the title would be released in 3 business days and so would the refund check. Ive called Bank Of America everyday for the last two weeks and everyday I get a different story as to why they havent released the title yet. They tell theres a hold on it but no one will tell me why. Every time I call they say it will be released tomorrow this went on for 2 weeks then it was to be released on XX/XX/XXXX. I called on the XXXX and they said it would be released on the XXXX. I spoke with them again on the XXXX and now they tell me it should be released on XX/XX/XXXX. BOA is putting me in a very dangerous financial situation the buyer wants the XXXX returned to him ( which I have no way of doing that ) if I dont get the title to him soon. Its a scary time to think banks can scam people out of their money and property. I have done everything correctly in this situation and they refuse to release my title and refund check.
Consumer complaint received 2023-08-26
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. (CA)

I am re-submitting another CFPB complaint as follow up and an assurance that the XXXX, XXXX and TRANSUNION Credit Bureaus will carry out my request to them to investigate and help me remove these fraudulent items that I listed in my previous complaint and today. And I am humbly requesting the CFPB for participating in assisting me in fixing the problem occurring in my credit file. Here are some items that I believe were opened from an alleged identity theft, that needed immediate attention and if possible prompt removal : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX