davidheineman/consumer-finance-complaints-large huggingface dataset:
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

it is the responsibility of the credit monitoring companies to make sure that all information is accurate. upon reviewing my credit report there are several things that are cause for concern. accounts that i never gave consent to report and never provided any proof of ownership. these accounts are severely impacting my ability to obtain credit.
Consumer complaint received 2024-05-28
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)

PLEASE BLOCKED AND REMOVED It is imperative that you correct this mistake promptly. I respectfully ask you to conduct a thorough inquiry into the situation and accelerate the removal of these unauthorized accounts from my credit report as swiftly as you can. Your immediate focus on this issue is highly valued.
Consumer complaint received 2020-03-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO (PR)

We have the mortgage account overdue for 931 days with the popular bank in the amount of {$13000.00} and the principal owed of {$7700.00}, adding these amounts to a total of {$21000.00}. To the extent possible, is a grant available to settle this account? Currently I work part-time, less than 25 hours, at some times he did work as a XXXX, but I need to settle that account. Like the student loan, that payroll check is debited from that student loan. {$10000.00}
Consumer complaint received 2023-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (PA)

To whom it XXXX concern, This dispute has to do with a past dispute with GM Financial. After receiving the information from GM Financial regarding an alledged debt of {$6100.00}, I reached out to GM Financial directly to discuss a settlement and then they notified me that my account was taken over by XXXX XXXX which I received any notice of this. Even the letter that was received through the XXXX  with my last dispute with GM Financial did not state anything about selling the debt to a debt collector. 

Also, as you can see attached is a copy of my credit report from my mortgage lender, and it shows that GM Financial is the one reporting on my credit, not XXXX XXXX. How am I able to settle a debt with a collection agency that is not even listed on my credit report? In this situation, I would have paid XXXX XXXX and GM Financial would still report to the credit bureaus, which is wrong. Also, the credit report is stating the debt is {$6100.00}, not {$6100.00}. 

Lastly, as I stated in my last dispute, that XXXX and XXXX recognized this as a invalid debt and removed/deleted GM Financial XXXX my credit profiles so XXXX should do the same. 

I believe that XXXX XXXX, GM Financial, and XXXX are violating a few different laws here. I just want the resolution of this GM Financial account to be rightfully deleted/removed from my XXXX credit profile so I can move forward and close on my house which the date is supposed to be XX/XX/26, but I can't move forward without removing/deleting this account from my XXXX credit profile. Please help me resolve this situation as soon as possible. 

Thank you! 

Best, XXXX XXXX Account Name : GM Financial Account Number : XXXX Amount : {$6100.00}
Consumer complaint received 2020-03-23
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TCF NATIONAL BANK (PR)

To whom it may concern, Today, someone fraudulently took over my business email account, instructing my administrator to transfer {$48000.00} to an account in TCF Bank. The fraudster used by email address and my name to provide these instructions. Thankfully, my administrator validated this information before proceeding. I called TCF Bank and they communicated that they did not have access to investigate this claim. The bank account information is presented below. 

BANK NAME : TCF BANK ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX BANK ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX BENEFICIARY ADDRESS:XXXX XXXX XXXX XXXX XXXX IL XXXX Please, advice as to what additional measures I can take to protect my financial accounts from this fraudulent activity. 

Regards, XXXX XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Solutions (OH)

On XX/XX/19 a representative from Credit XXXX Solutions called my phone trying to reach my husband pertaining to a debt for XXXX XXXX. When I advised the rep that I had no idea when we could take care of the debt she proceeded to ask me about my tax return. It was at this time I informed her our tax return is going to a down payment for a new home. It was at that point she said well I'd hate to see this from stopping you from buying a new home and if this is reporting it will ... That is when I proceeded to inform her that was threatening language according to the FDCPA and terminated call ... She informed me all calls are recorded so there is record of the call.
Consumer complaint received 2023-11-15
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Joint account holder at XXXX XXXX XXXX XXXX Made a check out for XXXX to Bank of America XXXX : A A. B of A contacted, myself : XXXX G as a joint account holder of issued check. Reached out, per high quantity check, to see if it was valid, if we wanted it to go through. I said, I did not want it to go through, per B of A client, A A, previously having scammed XXXX my father. ( She needed help with funds, so was selling a truck, for XXXX. My father agreed to buy the truck. After he had paid his contribution, AA claimed they stole the truck and took it to XXXX. ) Hold was placed on releasing funds, per B of A connecting with MG ( Self ) sharing it was a scam, and to not release funds. ( AA had made XXXX believe, she had acquired a lawyer, to retrieve the funds from the " stolen '' truck Except, lawyer needed to be paid in advance {$15000.00}. (!!! ) XXXX, bought the story, check was written ) ) They recommended, I place a stop payment on check. I placed a stop payment, via XXXX ( issuer of check ) was charged a fee. Days later, I found out stop payment, did not go through, per funds already being at B of A Even though, B of A still had ( and still has ) those funds. 
B of A, decided not to release funds to their client, AA per lack of Trust. 
B of A had requested we get XXXX to XXXX funds. According to them, they can not give funds back directly to XXXX, it would have to go back, to the establishment : XXXX. 
So have XXXX : Recall the funds ( We've revisited B of A a number of times, they've shared they don't get why XXXX doesn't attempt to help us. ) XXXX, as of yet, has no forms that fit our scenario, since it was not fraud. They've connected with their Back office, XXXX has claimed ( XXXX XXXX time again, per various check, ins ) They can not recall our funds, because they don't have a claim form to do so. Apparently, thus far, they can't just make a new form, and we don't fit the other claim forms, criteria. So XXXX says it can not ask for our funds back per not having a form, that fits our situation. 
B of A has not released funds to client, nor to us, as the payee ( XXXX ). Yet, had shared, they'd like to help us, but funds " need to go back, via XXXX as the establishment '', so, theoretically, needs XXXX to Recall the funds. 

XXXX is unable to recall funds, per it not falling under fraudulent activity. 

We've lost touch, with the b of A client - recipient of check. ... The issuing of check was XX/XX/2022 XX/XX/2022 we were issued a stop payment fee ( Yet funds were not stopped. ) We need help, retrieving our {$15000.00} it's been over a year, without access to these funds. XXXX We are filing this complaint, requesting B of A release our hard earned funds, to us the XXXX. 
We've been without these funds for over a year and it has impacted us. 
Hoping to move forward, feeling supported.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in my report.
Consumer complaint received 2024-05-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-08-13
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: EQUIFAX, INC. (PA)

After reviewing my credit report I noticed I had 1 late payment on an account that I was never late for. Consumer Reporting Agencies 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 a payment. This account XXXX account number XXXX PLEASE INVESTIGATE and provide proof with statements showing that these payments were late if proof can not be provided I demand these late payments be updated TO ON-TIME as they should be because I WAS NEVER LATE. This account is not accurate XXXX states I was late XXXX however Equifax and XXXX states XXXX was never late. This is a violation of the Fair Credit Reporting Act. 15.US Code 1681e- Compliance for Accurate reporting. 

UPDATE TO PAID ON TIME NEVER LATE OR REMOVE ACCOUNT
Consumer complaint received 2024-07-18
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. (CA)

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-05-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-05-28
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. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX # XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XX/XX/year> EXP 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-28
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. (TX)

I am not liable for this depth with XXXX XXXX XXXX. I do not have any account with XXXX XXXX, the collection agency that is trying to collect on this debt. I have never entered into any contract or done any business with XXXX XXXX. 
Account # XXXX
Consumer complaint received 2023-09-18
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: Paramount GR Holdings, LLC (OH)

I purchased solar panels for my home at XXXX XXXX XXXX, XXXX, OH XXXX in XX/XX/XXXX, and financed the purchase with Goodleap, the designated financing company of XXXX XXXX, who sold and installed the solar panels. 

There is nothing in the agreement with Goodleap or in the installation agreement or welcome letter that says I remain liable for the entire contract when a loan is assumed. See the first 3 documents attached. 

The only thing about assumption in these documents is in the loan document, which says this : " This loan is assumable upon the sale of the property to a new owner, if the new home owner qualifies under GoodLeaps underwriting guidelines. '' Yet, in the 4th document, Goodleap says I am still liable as a " co-borrower '' even after the financing of the solar panels is assumed by a subsequent buyer of my home. 

I sold my home on XXXX XXXX in XX/XX/XXXX, and the borrower agreed to assume the financing of the solar panels. For the assumption to occur, I was required to sign an agreement, the 4th attached document. 

For the first time, on being presented with the assumption document, I learned that I remain personally liable after the assumption, and in fact, the assumption document now makes the buyer of my home and me " co-borrowers. '' This was never disclosed in the financing agreement for the purchase of the solar panels. Goodleap keeps withdrawing from my checking account until the assumption takes place. I had no choice but to sign the document. 

I do not want to remain as a " co-borrower '' on the loan for its 25-year life. That this is what assumption means or entails was never disclosed to me by XXXX XXXX or, more importantly, by Goodleap, with whom I thought I would be done being in contract with, once the loan was assumed by my buyer. 

For further information, I have attached the Loan Closing Certificate, evidencing the 25-year obligation. Thank you for your assistance. 

XXXX XXXX
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-05-08
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)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-01-08
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)

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.

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 2024-07-18
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. (CA)

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the company linked to this account, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my account to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. 

XXXX XXXX.
Consumer complaint received 2024-05-29
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)

I did not authorize the companies XXXX nor XXXX XXXX XXXX XXXX to furnish anything to my credit report. Under FCRA 15 U.S.C 1681 Section 604a Section 2 - Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

I need all accounts related to the companies stated above to be removed from my credit report immediately.
Consumer complaint received 2020-03-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRSTBANK PUERTO RICO (PR)

I purchased my home in XX/XX/XXXX for {$150.00}, XXXX. My situation is that the septic tank is built on my driveway and it is way too close to the house and it doesn't percolate. I have to have it emptied out every month or it will overflow back into the house where live my son who has XXXX and XXXX XXXX XXXX XXXX  and XXXX  with XXXX  XXXX   XXXX  and his mother is XXXX. This is a very stressful situation since we have to bleach everything all the time for the sake of our health. I stopped making payments to the bank in XX/XX/XXXX when I sued the bank because it doesn't comply with VA regulations health wise. After many, many changes of judges I took the case all the way to the Federal Supreme Court. There was a number assigned to my case however, there was not enough time on their agenda to see it through. There was an inspection from the VA and they noted in the documents that an inspection from the PR Health Department is needed and that the lender had ignored this situation and still moved forward with the closing. The EPA inspected the area and stated that the way the septic tank was built does not comply with the laws and regulations and it should be on the backyard away from the structure. XXX inspected the area and recommended not to walk on the street due to the contamination since it will be brought into the house. The Department of Health of PR informed us after the inspection that the septic tank does not meet the requirements  needed for any type of mortgage loan because it does not comply with PR laws. My house has lost its value to others in foreclosure for the same issue which are selling for $ XXXX. Yes, {$30000.00}! Please help.
Consumer complaint received 2020-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (PR)

During my called a told them that was fraudulent account that was open under my name when I contacted them on XX/XX/2020. A few weeks later I received a letter from them to signed and return if the account was not mine, which I did. 

On XX/XX/XXXX I received the letter attached. Which I totally disagree with them for the following reason. 

1. I have never verified from the a one-time passcode. 
2. I have never received the card. 
3. I have never made a payment to that account 4. that account that was used at they state to make a payment is not mine.
Consumer complaint received 2024-05-05
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. (MO)

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.