davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

According to 15 U.S. Code 6802, it is illegal for banks and institutions to report any data to third-party companies without proper consent. According to FCRA Section 605b it is illegal to report information on my credit report without my permission. XXXX, XXXX, & XXXX are third party companies, and furnishing my credit profile is illegal and unlawful. Remove this account from my XXXX, XXXX, & XXXX XXXX file report because it affects my ability to obtain new credit. it is unlawful for false and misleading denial of my unlimited credit, based on Title 15 Subsection 1611 of the US code. 

PORTFOLIO RECOV ASSOC Account # : XXXX Date Opened : XX/XX/scrub> XXXX XXXX XXXX
Consumer complaint received 2023-08-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NJ)

Since the latter part of XXXX, I have been making my mortgage payments in two payments on the two days of the month that I get paid, which is considered partial payments. With partial payments the way I pay which is on the XXXX and the end of the month ( XXXX or XXXX ), there is always a late fee. When I make my mortgage payments I incorporate the late fee. For example my mortgage payment is {$3500.00} and the late fee is {$89.00} for a total of {$360000.00} - this grand total includes both mortgage payment and late fee. My partial payments are split in two payment {$1800.00} for one payment and the other is {$1700.00}. which equals {$3600.00}. On some months I have paid {$1800.00} twice which equals $ XXXXwhich is the late fee and an extra {$88.00}. It was easier for me to pay the double {$1800.00} so I have been doing that for months only to find that Mr. Cooper is stating that I owe them {$260.00} in fees ( please see attached ) Also each month it says that I have 3
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in response to the verified no change letters and emails I received regarding the charge off accounts on my attached credit reports. 

I followed your instructions to contact the companies responsible for placing this inaccurate charge off account on my credit report. However, despite all my efforts, the furnishers did not respond to my inquiries and XXXX LOCKED MY ACCOUNT ACCESS! 

It is evident that this charge off account is inaccurate, as the creditor failed to provide any valid proof of its validity. According to the Fair Credit Reporting Act ( FCRA ), if the creditor can not substantiate the accuracy of these accounts, they are not permitted to report it to the credit bureaus. 

Regards, XXXX XXXX
Consumer complaint received 2023-08-15
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXXXXXX XXXX Balance : {$550.00} XXXX XXXXXXXX XXXX Balance : {$490.00} XXXX  XXXX XXXX Balance : {$3400.00}
Consumer complaint received 2023-10-04
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. (DE)

I checked my credit report and saw I had 3 late payments on 3 different accounts on all 3 of my credit reports. Upon checking with the creditors XXXX XXXX  XXXX, and XXXX, I saw that I did make the payments. Once I downloaded the 3 statements proving I made the payments and it was within the 30-day time frame, I submitted the dispute and the statements showing the payment. I submitted it on XXXX and it was " completed '' on XXXX. then I called and when the agents I spoke to weren't able to give me any information about the investigation they said they could resubmit and I could upload the documents again. I submitted it on XXXX and then again it was " completed '' on XXXX and the late payments were not removed. not only were they not removed but I again could not get any new information about how it was completed so fast.
Consumer complaint received 2024-05-11
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)

Dear Consumer Financial Protection Bureau, I hope this email finds you well. I am writing to file a complaint regarding an account on my consumer report and to request assistance in resolving this matter. The account details are as follows : Account name XXXX XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. 
Status updated XX/XX/XXXX I kindly request the deletion of this account from my consumer report to ensure the accuracy of my credit history.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (WI)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX XXXX XXXX XXXX online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-05-11
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. (AR)

XXXX XXXX XXXX XXXX is reporting a debt on my credit report that does not exist. I have requested validation of debt, including a signed contract/lease for the debt from XX/XX/XXXX - XX/XX/XXXX. I do not owe a debt. I did not have a contract or lease. I have requested this information from the Links and they have failed to provide because it does not exist. The Links sent fraudulent debt to XXXX XXXX XXXX XXXX and they have not provided validation of debt. I would like the contract between The Links and Fair Collections and Outsource and the financial information as to how much this alleged debt was purchased from by XXXX XXXX XXXX XXXX from the Links. Please provide audit trail and all contracts/leases. Please provide all agencies ( credit and financial ) that this information has been provided to.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> To : Equifax, XXXX, and XXXX Subject : Formal Complaint Regarding Violation of Consumer Rights 15 U.S.C. 1692g Dear Credit Reporting Agencies, I am writing for the second time regarding a serious violation of my rights under 15 U.S.C. 1692g, as you have collectively failed to address my previous complaint in a timely and proper manner. My initial complaint, which dates back over 60 days, has not been resolved. I am certain that 60 days is more than enough time to request and review the information I have already provided and can provide yet again, if you deem it absolutely necessary. 

It seems that the first 60 days was spent asking me to verify my identity, as if the extensive documentation I already provided was insufficient. How shocking, given that a simple look into your own records would have confirmed the information. But I suppose we must go through the rigmarole of further verification for your peace of mind. 

Please be advised that this delay is unacceptable and constitutes a clear violation of my rights as a consumer. Under 15 U.S.C. 1692g, you are obligated to act within a reasonable time frame. I urge you to address this complaint promptly. If further proof of my identity is required, please let me know exactly how many times I need to confirm that I am indeed XXXX XXXX XXXX. 

Thank you for your anticipated cooperation. I look forward to seeing how long it will take to address this simple matter this time around. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-18
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: EQUIFAX, INC. (FL)

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX ...... Surrendered Apt and relocated temporarily ... By XX/XX/XXXX a company named XXXX XXXX had put a collection in my credit report for a fraudulent amount of money. I had no idea what for or who they were... I acquired my credit reports from XXXX, TransUnion, and XXXX and have been disputing the entry since. I've written letters and complained on line throughout XXXX and XXXX. I've requested validation from the company and methods of verification from the 3 credit companies to no avail. The derogatory information in my credit profile has prevented me from securing a resident and now I'm registered as homeless trying to find affordable places to stay. I can not continue living like this. The information should be removed due to violation of FDCPA ( section807 ( 8 ), FCRA ( section623 ( a ) ( 3 ), FCRA, XXXX XXXX compliance ( 17a )
Consumer complaint received 2024-08-23
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. (PA)

XXXX XXXX XXXX   XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$55.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

Collection account from XXXX XXXX XXXX  with account # XXXX and a balance of {$640.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$620.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I was a victim of identity theft i filed the necessary disputes and had the fraudulent accounts removed in XXXX XXXX XXXX 1 of the accounts ( XXXXXXXX XXXX  ) was reinserted XX/XX/year>. According to the FCRA section 611 credit reporting agencies are required to send a reinsertion letter not later than 5 business days after the date of reinsertion. This letter should contain proof the furnisher certified the information as accurate and documentation of the business name and address of any furnisher of information contacted and the telephone number of such furnisher or any furnisher of information that contacted you in connection with such information. I did not receive this letter in accordance with the FCRA.. please delete the reinsertion of the XXXXXXXX XXXX account from my consumer report.
Consumer complaint received 2024-05-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX XXXX C.U Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX & XXXX XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-05-11
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. (FL)

Dear Transunion LLC, I am writing to dispute inaccuracies on my credit report as provided by Transunion LLC, in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681. Upon reviewing my credit report, I have identified several errors that require immediate attention and correction. I Have Attached a credit report identifying the inaccurate errors on my credit report Under the FCRA 15 USC 1681, I understand that Transunion LLC is obligated to investigate my dispute within 30 days of receipt and to notify me of the results of the investigation. I kindly request that you notify me in writing of the actions taken to correct the inaccuracies on my credit report. 

Furthermore, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made. 

Please ensure that all future reports accurately reflect my credit history to prevent any further discrepancies or misunderstandings. 

Thank you for your prompt attention to this matter. I look forward to your timely response and the resolution of these inaccuracies.
Consumer complaint received 2024-05-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Well all three credit bureaus arent reporting correct information on my credit report, I had a bank loan from my bank that was paid off in full which should help build up my credit well trans union ect failed to report accurate information, after my bank sent them accurate information end of the month, these credit bureaus allowed some people opened up few accounts thats I didnt apply for, something has to be done with the credit bureaus because Ive already had file for a dispute with transunion credit bureau about bank loan never received a response back. All the loans Ive done posted to help build up my credit score credit history this company has not given a accurate information
Consumer complaint received 2024-05-11
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( was during the time of covid SCAM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Consumer complaint received 2024-05-11
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)

Hey my name is XXXX XXXX XXXX and this is not a third party filing this complaint. After reviewing my credit report I have notice several accounts & inquiries being reporting on my report that I did not apply for. I would greatly appreciate if those ACCOUNTS and INQUIRIES could be removed.
Consumer complaint received 2024-08-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC. (CA)

I bought a used car XXXX XXXXXXXX XXXX XXXX XXXX  a little less than a month ago at the dealership I was quoted XXXX interest rate and without my knowledge the Ally financial company sent me a notice in the snail mail that the interest-rate was missed quoted at the beginning of this Loan .... 

I have an account on their website and have made my first payment to them and this information was not on my account or on the website at all and I only happen to open the Mail message a day before they're made up deadline to find out they want to change the interest rate on me?!!?? 

how is this legal?? 

As I'm in the process of providing this information I've been talking to some representative from Ally themselves they don't even have record of the documents they sent me they were saying they wanted to charge me an extra {$12000.00} on top of the loan that I have with them which is listed at XXXX this document I have in my hand was saying they wanted to raise it to XXXX at least and they're not letting me cancel my XXXX  they don't have the records of It... 

I'm finally being passed up to a manager but they're basically being incredibly and I'm probably gon na have to cancel this loan. 

They have continually stated that they have nothing to do with this that have to do with my dealership which is complete XXXX the documents I have so they are trying to change my interest rate without and we're going to approve it without my direct signature unless I call them and I'm calling them and they say they have nothing to do with it they don't even have a record of this message being sent to me via my mailing address so this is really really really crooked. 

I have additional documentation regarding the initial loan information from the dealership directly but because your website constantly tries to end the session I did not have the chance to upload it please reach out and contact me and I can upload more information and more documents to prove what's going on
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I opened a new checking and savings account on XX/XX/XXXX with capital one. At that time, I funded the account with a transfer from my XXXX savings account. I went through the procedures to verify the XXXX account. This included capital one making XXXX small deposits ( {$.00} and {$.00} ) into my XXXX account and then me reporting the exact amounts to show my access was legitimate. The account was verified on XX/XX/XXXX. The procedures for this were clear at the opening and when I linked my XXXX acct to capital one. Capital one disclosed that it would take a few days for the deposit to appear. However, I was contacted on XX/XX/XXXX that my XXXX funds would be held for XXXX  days now! The customer service rep said it was because XXXX is not a real bank. The funds have left my XXXX account and are not going to be available for withdraw from capital one until about XX/XX/XXXX. I intended to use these funds to pay my mortgage! My mortgage is due by XX/XX/XXXX. This severely impacts me.