davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC (FL)

I had a door to door salesman come to my house to sell me solar. He told me that the solar panels would cover my whole cost of electricity, well they only covered half. I also was told that it would cost me about XXXX, then I get a contract from XXXX for XXXX and XXXX over the lifetime. I called the solar company and never got a response. I finally was able to get in touch with XXXX and they told me that I was stuck with the contract.
Consumer complaint received 2023-11-07
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. (CA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX  Balance : {$25000.00} ; DEPT OF EDXXXX XXXX Balance : {$6500.00} ; DEPT OF ED/XXXX XXXX Balance : {$3400.00} ;
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Iam writing to request the removal of unauthorized credit inquiries on my credit report
Consumer complaint received 2024-05-15
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. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-10-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUSTMARK CORPORATION (TX)

I can not see account details and certain parts of my online mortgage account with Trustmark when I am behind on payments. They said that I would have to call them if I needed information on late fees or other payment-related information. Then, when I call, I can only make payments with one lady who is not always available. When I do call and make a payment I was never told that late fees were just staking up. They would just take my mortgage payment like nothing else was due. Now I am so behind and have so many fees to catch up on. When you call Trustmark or listen to any ad they put out, they advertise that if you have a mortgage with them, you can access your account details and make payments online. That is a lie.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (FL)

I am disputing my credit report from a company named western funding they back dated my report and it showed i had lates on my car payments this is not true because i have auto pay i want these lates off my account. they back dated my account and thats against the law.
Consumer complaint received 2024-08-28
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation (IL)

Repeated calls while Im at work I have already spoken to the loan company and told them when I get paid and they have called 8 times in 3 days. The company is Heights finance in XXXX Illinois. From XXXX to XXXX I have received XXXX phone calls on a dept I am not in default.
Consumer complaint received 2024-05-15
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. (NC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-15
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. (SC)

*I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to XXXX XXXX and send me a copy of my updated credit report. ''
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally dispute a late payment reported on my credit account with Possible Finance, in accordance with 15 U.S. Code 1666b. 

Account Information : Account Holder : XXXX XXXX Account Number : XXXX Date of Late Payment : XXXX and XXXX Creditor : Possible Finance I recently discovered that a late payment has been reported on my credit report, stating that I am 60 days late. I believe this reporting is inaccurate and unfair due to significant technical issues with XXXX XXXXXXXX XXXX app, which directly affected my ability to make timely payments. Specifically : App Glitches : XXXX XXXX XXXX  app has been extremely glitchy, making it impossible to schedule payments properly. Despite multiple attempts, the app failed to process my payment scheduling. 

Support Delays : When I reached out to XXXX XXXX XXXX  customer support for assistance, the response was significantly delayed. By the time support adjusted the payment schedule, it did not reflect correctly on the app, and the payment did not process as intended. 

These issues were beyond my control, and I made every effort to ensure my payments were made on time. The technical failures and support delays directly resulted in the reported late payment, which I believe should not impact my creditworthiness. 

I kindly request that you investigate this matter and delete the late payment from my credit report with all three credit reporting agencies : XXXX, TransUnion, and XXXX. Attached to this letter are copies of relevant documentation, including communication with XXXX XXXX 's support team and any other pertinent information. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please confirm receipt of this dispute and inform me of the outcome at your earliest convenience. 

Thank you for your time and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Olmsted Falls, OH XXXX XXXX XXXX
Consumer complaint received 2024-06-21
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (GA)

I called Nelnet in reference to my student loan status and late payments. I was never late on any loan. I always had my loans deferred or a forbearance. The loan providers was late in processing the information on their end and in return marked my loans late. I want the information corrected. I called the agent with Nelnet and she went over my loans. They said when they got the loans transferred it was never reported late from Department of Federal loans. She told me to dispute it up to three times for the Credit bureaus to contact them and verify. All 3 Credit bureaus have not done the dispute process for correcting my reports. The accounts that need correction are as follows : Dept of Education/Nelnet XXXXXX/XX/XXXX {$5700.00} Account # XXXX ; Dept of Education/Nelnet XXXXXX/XX/XXXX {$13000.00} Account # XXXX ; Dept of Education/Nelnet XXXXXX/XX/XXXX {$1600.00} Account XXXX XXXX ; Dept of Education/Nelnet XXXXXX/XX/XXXX {$1900.00} Account XXXX XXXX XXXX Dept of Education/nelnet XXXXXX/XX/XXXX {$12000.00} Account # XXXX XXXX Dept of Education/Nelnet XXXXXX/XX/XXXX {$160.00} Account # XXXX ; Dept of Education/Nelnet XX/XX/XXXX {$55000.00} Account # XXXX
Consumer complaint received 2024-08-29
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. (FL)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 Section 602, it states that I have the right to privacy. Under 15 USC 1681 section 604A section 2, it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment under an open end consumer credit plan as late for any purpose. 

The payment was reported late on XX/XX/2024 to XXXX, XXXX, and Experian despite violating the aforementioned statutes as well as me submitted every piece of documentation required to date to verify that I submitted my payment in a timely manner.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to formally dispute the balance on my account related to the repossession of my vehicle. My vehicle was repossessed by XXXX XXXX and subsequently sold at auction. Despite this, the balance on my account remains unchanged, reflecting the original amount owed for the vehicle prior to its sale. I have not received any communication regarding the proceeds from the auction or any adjustment to the account balance to reflect these proceeds. 

I believe there has been an oversight or error in processing the proceeds from the auction sale. According to my understanding, the auction sale proceeds should be deducted from the total balance owed, and any remaining balance should be communicated to me clearly.
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

On XXXX XXXX & XXXX XX/XX/2023, I requested a 1099-C from Capital One for a Charged Off account. The amount charged off was {$880.00}, well over the {$600.00} required to report to the IRS threshold. I also requested Capital One to stop reporting the Charge Off to the Credit Reporting Agencies because I paid to settle the account not knowing that they were charging off the account prior to payment. I thought I had until the end of the year to settle the account.
Consumer complaint received 2024-05-15
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. (IL)

My name is XXXX XXXX and I am filing this complaint because this is the third time I have reported my identity theft, and no action has been taken. The credit bureau has not responded to my disputes, nor have the companies involved. I feel my rights as a consumer are being violated. I am the victim here and can not get the proper help or response from the credit reporting agencies. If no action is taken soon, I will pursue legal action.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Guild Holdings Company (IL)

My mortgage with Guild Mortgage was paid off on XX/XX/2024. Loan is still showing as active, delinquent, and with a balance. Credit reports show that this loan reports on the last day of the month. 

This delay in updating the mortgage with the credit bureaus is having a deleterious effect on my credit and impacting my mortgage loan application process.
Consumer complaint received 2024-06-21
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. (AL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-02-15
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. (NC)

XXXXXXXX XXXX  purchased XXXXXXXX XXXX in XXXX of XXXX. I had a Covid extension with XXXX in XXXX. I paid the account in full before the COVID-19 hardship was to expire, XXXX did not report my account as late to the credit reporting bureaus. After XXXX purchased, the XXXX XX/XX/XXXX late payment was reported to all three credit bureaus, I have disputed the validity of this late payment with all three credit reporting bureaus and to XXXX directly XXXX I went up the chain of command within XXXX with no resolution. I have asked for all records from my account with XXXX including the hardship deferment during COVID-19. Still, nothing has been provided to me except to tell me over the phone that their investigation showed the reporting of the late payment was accurate. No proof of this late payment or any agreements I had with XXXX. XXXX is reporting on an account that XXXX did not own at the time of reporting. The original creditor at the time, XXXX, did not report me late for XXXX of XXXX.
Consumer complaint received 2023-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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, has violated my rights. 

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 person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit reporting Act, I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-06-21
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. (FL)

I have items listed on my file that I did not charge. 
ACCOUNTS : XXXX XXXXXXXX XXXX  {$15000.00} XXXX XXXX XXXXXXXX {$7000.00}
Consumer complaint received 2024-05-10
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. (NY)

Apparently, XXXX XXXX XXXX  charged off debt on my credit report. I have reached out to rectify the issue, I sent a letter opting out of all consent. I would like this income removed immediately.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-I Referred to collections for an item XXXX XXXX XXXX that is not valid or collectable/ XXXX Possible Defamation of Character XXXX  Cell Possible FACTA & Title 15 USC Issue In Reference to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bank sent me to collections due to an XXXX pre-authorization. The transaction never occured. It was a preauthorization. This did not stop the bank from assessing a NSF fee and monthly fee before sending the account to three different collection agencies. I was told if I wanted the matter taken off of the ChexSystems report I had to pay their collection agency. That seems like blackmail to me. 

I contacted the collection agency and they settled with me for approx XXXX dollars. I was initially informed that the collection agency was planning to send a payment to the bank and the bank was supposed to cut me a bank check. I am not personally aware that the payment has been sent to me. I was informed that it was bit have not seen a record of payment so far. 

According to the individuals that answer the phone at the phone number for XXXX, and I say that because I am starting to believe it is a third-party call center because when I called on XXXX when an individual placed me on hold, and I heard offers about XXXX XXXX for home and business customers. This causes me to believe that it is a third-party call center that is serving multiple accounts. 

I believe I was sent to collections on a non-collectable matter. The collection agencies have not sent me written communications, verification of debt. I did not receive a final statement until I requested it. 

I will do some research and determine if the paid amount to the collection agency was refunded to me. I also need the false information immediately removed from the XXXX report, as it is not accurate and defamatory, and a possible violation of federal law. I contacted the bank last night XXXX I was offered a  fax number for a dispute department but this is a matter that is required for XXXX to contact ChexSystems to remove the information from the report as they are the reporting party as per their collection agency. I would offer additional information but due to FOIL regulations, I can not offer account numbers, for further infromation.
Consumer complaint received 2024-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (PA)

I keep trying to explain to MIDLAND CREDIT MANAGEMENT ( XXXX XXXX XXXX ) that I have been XXXX since XXXX Any debt after that date was considered Identity Theft. I have documentation proving my length of XXXX. I also would like to implement 15 USC 1692 c ( c ) but was informed that I should still pay a debt that Im not responsible for.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.