davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX Balance : {$32.00} XXXXXXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX Balance : {$82.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

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

XXXX XXXX XXXX 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
Consumer complaint received 2019-10-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD XXXX
Consumer complaint received 2024-04-19
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: DHI Mortgage Company (PA)

During the application process, several forms were not signed by my wife. This includes the appraiser and disclosures. 
DHI mortgage calculated our income incorrectly in the application process. My wife receives XXXX XXXX XXXX. As part our children receive XXXX XXXX The loan process calculated their income as individual but was actually total. They should not have included my daughters as she was XXXX XXXX XXXX. That is within 2 years of a review. 
We then found out during difficulties with warranty work we were deceived. DR Horton provided us the following written statement " The Customer Care Team is committed to making your home buying experience delightful and enjoyable. They defaulted several times on that statement as that prevented us from walking away from the deal. We were told the warranty issues are never difficult. We have over XXXX denied warranty requests, XXXX which have lead to personal injuries due to their defects. 
My wife and I were not have provided over $ XXXX in down payment if we knew the home would need {$60000.00} in repairs the first month. Without that down payment, we would not have been approved. 
We are seeking from XXXX and the FBI for the wire transfer fraud of DR Horton.

DHI Mortgage was to provide a {$4000.00} credit. This credit was concealed in the fact the price of downpayment and finanicing price was increased {$2000.00} each
Consumer complaint received 2024-02-01
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. (NC)

I've tried to contact Bureaus but they didnt act with my complaint. Ive disputed the following accounts because it was unathorized. It really affect my lifestyle and credit score. Remove immediately the following accounts. 
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
Consumer complaint received 2024-04-18
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. (PA)

I contacted Experian, XXXX and XXXX to request deletion of this inaccurate data from my XXXX XXXX Report, but they have refused. I am a litigious consumer Meaning unreasonably prone to go to law to settle disputes and is in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice. 
These items should be deleted immediately while in litigation per FCRA guidelines. if you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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 XXXXXX/XX/year>
Consumer complaint received 2021-04-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Recovery Management (FL)

On XX/XX/XXXX I called fox collection to ask a few questions about a previous payment I made, at that time the agent started making threats about me being reported to the credit bureau. I said excuse me what? That was new to me and the agent hung up the phone. I had to vall back because I needed to provide my bankruptcy information. The agent refused to collect my lawyers information. A supervisor called me back and I provided her with my lawyers info, I voiced my concerns about the unprofessionalism and lack of knowledge from this company. They operate as bullies and their highly disrespectful which is why on XXXX they have poor ratings. The supervisor took my info and reassured me there wouldn't be any damage to my XXXX. My attorney XXXX XXXX advised me that fox collection reported me and this was AFTER i provided my chapter 7 info. My attorney advised me that fox collection is now in violation of my rights and I can proceed. I need for Fox collection to remove this account off my report as I also recorded the call. This company need to be investigated thoroughly because this is definitely unfair and illegal practice. I will make my formal complaint public in hopes that others will join in. I provided my bankruptcy information onXX/XX/XXXX and they reported on XX/XX/XXXX
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (NC)

Consumer Financial Protection Bureau Attention : Consumer Response Team Re : Request for Removal of Creditors from Credit Report Dear Sir/Madam , I am writing to bring to your attention certain inaccuracies on my credit report, specifically regarding listed creditors. Pursuant to the provisions outlined in 15 U.S. Code 1692c, I respectfully request your assistance in rectifying this matter.

Upon reviewing my credit report, I have identified several creditors listed whose information is either inaccurate or outdated. These inaccuracies are negatively impacting my creditworthiness and financial standing. As a consumer, I am entitled to fair and accurate reporting of my credit information, as mandated by federal law.

I request that the Consumer Financial Protection Bureau intervene on my behalf to ensure the prompt removal of the following creditors from my credit report : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX I have made diligent efforts to resolve these discrepancies directly with the credit reporting agencies, but the inaccuracies persist. Therefore, I am seeking your assistance in facilitating the removal of these creditors from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.

Enclosed with this letter are copies of my credit report highlighting the erroneous creditor listings for your reference.

I kindly request that you investigate this matter promptly and take appropriate action to ensure that my credit report accurately reflects my credit history. Additionally, I would appreciate receiving written confirmation from the Consumer Financial Protection Bureau once the necessary corrections have been made.

Thank you for your attention to this matter and for your assistance in resolving these discrepancies. 

Sincerely, XXXX XXXX
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: EQUIFAX, INC. (GA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2024-01-11
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. (TN)

Someone opened a XXXX credit card in my name without my permission and has ran up a bill amounting to XXXX dollars. I have never applied for, nor opened a XXXX credit card. Please block this fraudulent account pursuant to section 1681 of the Fair Credit Reporting Act.
Consumer complaint received 2024-04-16
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: Open Dealer Exchange, LLC (IL)

Upon reviewing my recent credit report, I discovered several hard inquiries listed that I did not authorize or request. These inquiries were made without my consent, which is a direct violation of my rights under the FCRA. 

The FCRA, specifically in Section 1681b, outlines the permissible purposes for which a consumer report may be obtained. It is clear that these inquiries were not made for any of the permissible purposes outlined in the FCRA, nor did I provide consent for such inquiries to be conducted.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

My personal information has been exposed as a result of several data breaches. Experian, XXXX, and XXXX is reporting inaccurate information on my credit report - the following addresses should be removed : 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. I am requesting that all versions of these addresses be removed from myconsumer credit report. As well as the inaccurate Social security number listed ending in XXXX I am requesting that you remove XXXX and XXXX from all 3 credit bureaus as this is inaccurate information as well
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX  dated XX/XX/XXXX XXXXXXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXXXXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX  dated XX/XX/XXXX XXXX XXXX dated XX/XX/XXXX XXXX dated XX/XX/XXXX XXXX XX/XX/XXXX I had requested validation of these debts from each company and have asked the credit reporting company to remove these accounts because they are not mine. They have just updated some with XXXX balance and are still willfully reporting this information where it has been released to my current employer as well as caused me to not qualify for property. I was also informed my information was apart of sever breach with equifax and department of health. I have since filed an identity theft report ( reference # : XXXX ) with the FTC which I have attached.
Consumer complaint received 2024-08-23
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: EQUIFAX, INC. (CA)

I was advised by a XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX, Please remove all the fraudulent unauthorized inquiries on my report. Thank you for your help this is hurting my credit and reporting false information to future creditors.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP (TX)

This seems to be predatory loan from Republic Finance. This loan was unsolicited. A check arrived in the mail in the amount of {$2400.00} in XXXX 2019 about a month after a job termination and I was between employers. It stated that my credit was good and upon deposit of the check I would be able to make easy monthly payments. My goal was to pay around {$200.00} per month. 

The amount owing on the loan increased on a monthly basis. No balance statements were sent. Only statements showing a random amount currently owed for the loan. I would personally deliver a check to the XXXX office each month until the local branch closed. 

I have paid about {$1100.00} on an original amount of {$2400.00} but the amount paid has never been credited. 

XXXX XXXX incorrectly reports a beginning balance of {$2500.00} and a charge off amount of @ XXXX to all credit bureaus.
Consumer complaint received 2024-09-06
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. (NY)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXX 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 those account 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.

( CREDITOR NAME ) 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
Consumer complaint received 2024-08-10
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC. (NJ)

This account was removed off XXXX and my XXXX. Account number XXXX and the balance they said was 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 2024-08-21
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC (IL)

FROM THE BEGINNING : I opened a line of credit with XXXX Company for XXXX with XXXX XXXX XXXX. I made my first payment XXXX on XX/XX/XXXX. I did not miss one payment. I was not able to pay on time like I wanted to because the bill was due on the 3rd of the month, which is around the same time the rent was due. I dont have enough money left over to pay this bill on time after I paid the rent, so I paid with the next check. I have 2 checking accounts. I made 6 payments with one account and 5 payments with the other. Which was a total of XXXX. Then they sold my account to Concor Credit. When the new company took over I made my first payment with them in XXXX and I made my payment in XXXX which brings my payments up to XXXX. Concor Credit is saying I owe them an extra 588.00. That is not true and I have the bank statements to prove it. I know this can not be late fees, if so this amount can not be legal. Again the amount of the credit line is XXXX and I have paid XXXX which means I should only owe XXXX. I found out about the XXXX when I called in to make a payment and the CSR XXXX told me all of this and said that I bounced a check. My bank confirmed that is incorrect and again I have the statements to prove this. I made a payment of XXXX and said I was going to dig deeper into this matter. They are trying to rip me off and I am not taking it lying down. I just want to pay this debt off and move on. Please let me know if you need any evidence from me. 
AND NOW!!! 
I called almost 3 weeks ago to pay off my bill and once again they quoted over XXXX being owed, This is after they called and explained that they see all my payments and to pay this account off would be XXXX. 
I have left 3 messages so far, requesting a call back so the matter can be resolved. 
No one has called me back.I think what they are trying to do is let the bill go until I do have to pay them interest. 
Here is my resolve if they do not contact me before XX/XX/XXXX. I am call the " States Attorneys Office and open an investigation, not to mention I have already spoken to a lawyer. " Im tired of this!! All I want to do is pay my bill and close my account, but they are trying to rip me off.
Consumer complaint received 2023-06-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX To whom it may concern : XXXX Account number : XXXX On or around the date of XX/XX/2023 a payment was attempted to be make. Unfortunately, there was a glitch in the payment system that ultimately resulted in an unprocessed payment. I tried to settle this matter with the company, but to no success the issue was not corrected. The unprocessed payment have impacted my credit score tremendously. Im requesting a back dated adjustment that will place my account in good standing and paid for the month of XXXXXXXX XXXX XXXX 

Sincerely, XXXX XXXX