davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-01
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. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
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 — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY (FL)

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and UCC 9-506, as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the UCC outline the necessary legal requirements. Please see the attached file for what I am complaining about.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP (OR)

I attempted to get a medallion guarantee for a friend and upon doing so the local branch manager at the US Bank at the XXXX XXXX XXXX XXXX XXXX gave us a lot of difficulty in doing so and slandered us to the rest of the US bank private community by telling them not to give us any services for no particular reason. By doing so she cost us millions.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AR)

As of XX/XX/year> I reached out to XXXX XXXX XXXXXXXX XXXX about them reporting incorrect information. 
The date reported in correct was for the month of XXXX. 
All of my payments have been on time. All reports must be 100 % accurate this needs to be resolved now. It has dropped my credit score more than XXXX points because of incorrect information! 
Ive always been on time and ahead. Please resolve this issue immediately.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.
Consumer complaint received 2024-05-17
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. (TX)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (FL)

Auto insurance company denied my policy because the records showed the two previous accident was me at fault. But the fact is that the liability lies on the other parties who hit me. 
The company has the wrong information is called LexisNexis. The dispute option leads me here to report the issue. 
Please help me to correct this issue, so I can have me car insured.
Consumer complaint received 2024-04-23
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)

The account in question is inaccurately listed as a charge-off, even though it has been paid in full and carries no outstanding balance. I kindly request the complete removal of this erroneous entry from my credit report.
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (NY)

I changed my address with Ally Bank to a LEGITIMATE address where I live and work. A couple days ago, I got a phone message and email from Ally to call them. I phoned, but the rep was taking too long and I was at work so I hung up and called back a few hours later. Rep XXXX XXXX said she had to verify me. She sent me a phone code to my number on record, which I gave her the correct code. Then she asked when was the last time I phoned Ally, I said I haven't phoned Ally in ages except for a phone call a few hours ago. She asked at what time, I said how do I know. She insisted on having the exact time I phoned. Also she did not ask me for my secret word, or answers to my secret question, or the last 4 of my SS # as she could have to verify me. She refused to continue the conversation because I could not tell her the EXACT time I phoned. I told her if she was calling about transactions, I had made an online transfer to XXXX XXXX  but if there are any other recent transfers they are fraudulent. She still refused to continue the conversation or ask me any other questions to verify my ID so I hung up. Then I got an email from Ally saying that my new address was a business address, so I guess that's the reason Ally phoned me. I live and work at the same place ( XXXX XXXX XXXX ) and there are XXXX other people who live at that address. Here 's proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  '' and you can see references to employee housing. And here 's another article mentioning employee housing : https : XXXX So just now I tried to log in to my Ally account, and it told me my account " online access temporarily blocked. '' This is a sleezy way of getting revenge because I did not know the EXACT time I had phoned earlier, and the Ally rep was too lazy to attempt to verify me another way.
Consumer complaint received 2015-08-16
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: NATIONSTAR MORTGAGE LLC (CA)

I received a letter from Champion. mortgage, dated XX/XX/XXXX titled mortgage due and payable notice, in total it stated the mortgage was in default due to non-occupancy of property as principle residence, with balance due in 30days from the dated letter. I have lived in my home for almost 45 years. I have had a reverse mortgage since XX/XX/XXXX. This year I have completed and submitted the annual occupancy certification three times. I have never left my home, I am XXXX and do not travel. I received letter dated XX/XX/XXXX from champion mortgage company stating they had denied my request to return the property by completeting a deed in lieu of foreclosure,, which I never requested, or submitted, I have been in almost daily contact with champion mortgage and I do believe they are trying by fraud to take my home. I have a lot more information, please contact me.. thank you
Consumer complaint received 2024-09-11
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: ALLY FINANCIAL INC. (GA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to XXXX XXXX XXXX it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant XXXX XXXX XXXX ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-05-17
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)

CFPB Complaint against Credit Reporting Agencies Text ( separate complaint filed w/all 3 bureaus : XXXX, TransUnion, and XXXX ) XXXX What happened : I have Identified 4 Fraudulent Charge Offs and Collection accounts on my FICO credit score report Consumer Name : XXXX XXXX XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, TransUnion, and XXXX credit reporting agencies, block information appearing on my consumer credit report that is result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX of XXXX account number XXXX, XXXX XXXX Purchases on XX/XX/XXXX account number XXXX and XX/XX/XXXX of XXXX account number XXXX, accompanied by XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Car Insurance account opened on XX/XX/XXXX of XXXX account number XXXX. All have turned into Charged Offs and Collections which resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-05-17
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. (SC)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Ballybunion Enterprises, Inc (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Military Credit Services LLC for their persistent and inaccurate reporting of a loan account on my credit report. Below, I provide a detailed history of my complaint and the issues I have encountered : Loan Origination and Financial Hardship : In early XXXX, while XXXX in Washington as a member of the XXXX military, I took out a loan from Military Credit Services LLC.

Later that year, I faced significant financial hardship due to a divorce and subsequent XXXX preparations for XXXX. These circumstances prevented me from making payments on the loan. 
Lack of Proper Documentation : I have repeatedly requested a copy of the original loan contract from Military Credit Services LLC, but they have failed to provide it. Instead, they only sent a bill without any supporting documentation. 
Threats and Communication : In XXXX, the company contacted me with threats of legal action and garnishment of my account. Despite these threats, there was no follow-up, and I did not receive any further communication from them.

Inaccurate Credit Reporting : This account continues to appear on my credit report despite the cessation of payments and communication over eight years ago.

The company has been manipulating the account information by altering the date the account was opened and changing its status. Originally opened in early XXXX, they have falsely reported the account as being opened in XXXX. 
The status of the account is inaccurately reported as active and in collection, despite it being closed and with no recent activity.

Impact on Credit Score and Unfair Practices : The continuous and inaccurate reporting by Military Credit Services LLC is severely damaging my credit score. 
The actions of the company suggest a deliberate attempt to keep the account on my credit report to harm my financial standing.

Resolution Sought : I request the Consumer Financial Protection Bureau 's assistance in resolving this matter. Specifically, I seek the following : Immediate Removal : The removal of this inaccurate account from my credit report, given that the debt is no longer valid due to the passage of time and the lack of documentation provided by the creditor. 
Corrective Action Against Military Credit Services LLC : An investigation into the practices of Military Credit Services LLC to prevent them from manipulating account information and violating consumer rights. 
Confirmation of Resolution : Written confirmation from Military Credit Services LLC and the credit bureaus that the account has been removed from my credit report.

I appreciate your attention to this matter and look forward to your prompt assistance in ensuring that my rights as a consumer are protected.
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Aqua Finance, Inc. (WI)

This company has put a lien on XXXX XXXX  owned by a separate LLC for a personal consumer loan, this is prohibiting sale of the property, Aqua finance will not move forward to remove the lien. Multiple attempts have been made for phone conversation, Aqua is not cooperative in helping. This company has also put a lien  on personal property, which has no connection at all to the work done that was financed through Aqua. Multiple attempts have been made to communicate and have the lien removed, Aqua is not cooperative.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC (CA)

Planet Home Lending reports to the credit reports that my monthly mortgage payment is {$6300.00} while in effect it is only {$3100.00} for principal and interest. The reminder is for escrow payment. However this does not get explained to anyone else who sees my credit report and they pick up my minimum payment of {$6300.00} rather than XXXX. As such other lender ratio analysis doe not qualify me for credit. This needs to be changed so that only the {$3100.00} is being reported as a liability payment. This is incorrect. I effect Planet Home Lending reports a me having XXXX XXXXXXXX of liability to them, rather than XXXX XXXXXXXX.
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-18
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NORTHWEST BANCSHARES INC (NY)

On XX/XX/year> : I opened account with the balance of {$35000.00}. I went into the hospital XXXX weeks later and when went to the bank my balance was approximately {$11.00}. 

I asked for a bank statement to find unauthorized charges ; and the charges showed charged off of credit cards in which I do not own or never owed. 

The stated they would look into ; and told there is nothing they could do.
Consumer complaint received 2024-05-17
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. (TX)

I am a victim of Identity theft. While disputing thr information with the 3 credit bureaus and companies where account were opened, I received a letter back from the Credit Bureaus that I have received goods and services from the credit companies involved and the request to block must be in error. These accounts were opened without my knowledge and I never received any goods or services.
Consumer complaint received 2024-05-17
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. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.