davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my personal credit report, I've identified certain discrepancies that could significantly impact my ability to secure a home. While I understand that errors can occur, the implications of these mistakes are particularly detrimental. I am aware of the dispute process and the associated time constraints for investigation. The identified errors are as follows : XXXX XXXX XXXX XXXX. Contrary to the reported late payment in XX/XX/2023, all payments were made on time. I kindly request the removal of the late payment markings and the adjustment of the negative payment status for this account to accurately reflect my payment history.
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Consumer complaint received 2023-11-16
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC (MS)

I am supposed to be done paying for my car. I leased to own through American Car Center. They went out of business. I was done with my lease with them before they went out of business. After paying {$25000.00} for a XXXX, they decide to charge me almost {$5000.00} foe something called residual fees for my title. So I was paying XXXX every XXXX weeks and had gotten it down to a little over XXXX before they went out of business and transferred me to Westlake Portfolio Management. They have overcharged me when my car is supposed to be payed off.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (NY)

I used my Apple Card by XXXX. Bank for 2 different car reservations from XXXX XXXX XXXX One was from XX/XX/2023 until XX/XX/2023 and the other was from XX/XX/2023 until XX/XX/2023. I disputed the charges because they were not as agreed upon when I booked the reservations for the vehicles. The XXXX reservation was overcharged by {$800.00}, and the later XXXX reservation was overcharged by {$2000.00}. The XXXX reservation included upgrade charges of {$720.00} for which I shouldnt have to pay because the vehicle I booked and reserved beforehand was not available for me on pickup day and time. The issue Im having is that the credit card company issued me a provisional credit while those charges were investigated. However, the provisional credit isnt available to the customer to use if they choose to do so. The credit card company explained to me over the phone that until the disputes get resolved I wont see that credit in my available balance. In other words, your credit card limit is lowered by the credit that is being disputed upon, until those matters are resolved. I responded by saying that according to the American dictionary that is not how provisional credit is supposed to be afforded. They responded by saying that there was nothing else I could do except wait for a completion of their investigation.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-05-10
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

On or around XX/XX/XXXX I opened an account with Capital One. My account was in good standing up until XX/XX/XXXX when I could not longer keep up with my obligation to my account because of the XXXX XXXX. I was troubled as the rest of the world was as we were affected by this disaster. From the months of XXXX XXXX XXXX my account was unpaid until XX/XX/XXXX when I paid off my debt to the company and Capital One closed my account. Prior to this I made several attempts to have my payments be paused or some type of arrangement be made and my attempts were unsuccessful. This has damaged my credit and hurt my ability to obtain new credit. According to the CARES Act some type of relief should have been provided to me and it was not and I am completely distraught because of this harmful activity furnished on my credit report.
Consumer complaint received 2023-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

This is a follow up to Complaint XXXX. 

Capital One responded by saying that they owe me {$20.00} rather than the {$25.00} I had thought they owed me. However, they haven't given me even the {$20.00} in rewards they admit they owed me in the previous complaint.
Consumer complaint received 2018-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WA)

Company- XXXX XXXX. Account. XXXX. XX/XX/2015. They are reporting on my credit report a negative and inaccurate account I have know idea why its on my credit report. Please have them remove this negative item that is ruining my credit score and life or I will take immediate legal action on their behalf. I would like for CFPB to do a thorough investigation towards this company. Thank you
Consumer complaint received 2017-09-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (IL)

Home purchased with former spouse in XX/XX/XXXX with assistance of XXXX XXXX XXXX XXXX XXXX ( XXXX ) ; divorced in XX/XX/XXXX, did quit claim deed ; laid off in XXXX, underemployed in subsequent job acquired in XX/XX/XXXX, on XXXX in early XX/XX/XXXXas result of complications due to XXXX XXXX ; received assistance from Illinois ' Hardest Hit but require authorization from former spouse to continue ; have no contact with former spouse ; have never had a loan modification ; mortgage company denied request for modification stating an additional {$1200.00} must be brought in monthly to even consider a modification, but if I had an additional {$1200.00} per month I would not need a loan modification ; my ultimate desire is to remain in my home especially given the stress of my chronic medical condition.
Consumer complaint received 2023-10-28
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: Experian Information Solutions Inc. (CA)

XXXX XXXX Orignal creditor : XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Account type Collection Status Collection account. {$3900.00} past due as of XX/XX/2023. 
Status updated XXXX XXXX
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hauge Associates, Inc. (IA)

After checking my credit report, I see there is an alleged {$4.00} debt collection from XXXX XXXX XXXX. However, XXXX XXXX XXXX actually owes me {$5.00} as I overpaid last year.
Consumer complaint received 2023-05-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-05-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

We received forbearance notification during the Covid. We did accept it. Before the end of the forbearance, we received an attempt for foreclosure ; as we were unable to pay the past due amount requested by XXXX XXXX XXXXXXXX and to avoid to loose our home we applied for HAF ( Home owner Assistant Fund ) meanwhile the mortgage was sold to Shell point. We got approved with a grant for {$17000.00} by Haf and the fund was disbursed to the new Mortgage company called Shell point. We never received any notification from Shell point UNTIL TODAY that they received any fund on our behalf. Even today no single sign or letter of this transaction in our statement. We learned all these after multiple phone calls with HAF. Later on we learned the fund was disbursed multiple times to Shell point and they return back multiple without informing us.

Before the fund was disbursed Shell point knew with certainty we were approved for the Grant and convinced us to sign a deferment. Shell point stated that the fund will be applied to the account even though we signed the deferment they added there is no penalty for early payment.
Consumer complaint received 2024-04-12
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.
Consumer complaint received 2023-08-31
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. (GA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I MAILED INFORMATION TO ALL THREE CREDIT BUREAU TO REMOVE AN INCORRECT ADDRESS FROM MY CREDIT REPORT. 

I INFORMED IT WASNT MINE AND PROVIDED A LIGHT BILL FOR PROOF. 

THIS IS CAUSING MUCH GRIEF DUE TO ME SOON SEEKING A MORTGAGE, THE LENDER WILL ASK ABOUT THIS ADDRESS, AND I NEED IT REMOVED. 

PLEASE HELP THE INCORRECT ADDRESS IS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FLORIDA
Consumer complaint received 2023-11-17
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 hope this letter finds you well. I am writing to express my dissatisfaction and frustration regarding the ongoing issue with my open account at XXXX Credit Bureaus. Despite my previous attempts to rectify the situation, it appears that the matter remains unresolved. 

I initially brought the matter to your attention. At that time, I explained the circumstances surrounding the late opening of my account and requested prompt assistance in resolving the issue. However, to my dismay, the matter persists. 

I understand that mistakes can happen, and I appreciate your efforts in addressing the issue after my initial complaint. Unfortunately, the situation has not been rectified, and it is causing me considerable inconvenience. As a valued customer, I expected a more expedient resolution to such a matter. 

I kindly request that you investigate this issue promptly and provide me with a detailed explanation of the reasons behind the continued delay. Additionally, I would appreciate a clear timeline for when this matter will be fully resolved. I believe that transparency and communication are crucial in maintaining a positive customer-bank relationship. I am asking for your immediate assistance to correct the late open accounts : XXXXXXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance : {$1900.00}.
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (VA)

The office of Hunter Warfield attempted to collect a debt I am not aware of. They have harassed me after I've told them to stop calling and on XX/XX/2023 I received a call from a person misrepresenting themselves saying they were from a grant agency and wanted to give me a grant only for me to call the number and be directed to Hunter Warfield. They are saying I owe {$3000.00} dollars to a company called XXXX XXXX whom I have never done business with.
Consumer complaint received 2023-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting Act, this creditor ( Account name XXXX XXXXXXXX Account number XXXX ) has violated my rights under 15USC1681 Section 602 states that I have the right to privacy. 15USC 1681 604 ( a ) Section 2, it also states that the consumer reporting agency can not furnish an account without my written instructions. Under 15USC 1666 ( b ) a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-08-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.
Consumer complaint received 2023-11-17
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. (NV)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-03-21
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: Experian Information Solutions Inc. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2018-10-21
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems (GA)

I am receiving calls multiple times a day saying I owe a debt from years ago involving a payday loan. I have asked for written debt verification either by mail or by email. Neither which I have received. Then this fraudulent debt shows up on my credit report which made my score drop dramatically. The threatening phone calls state that I will receiving a wage garnishment and that they are just waiting on work verification. They also stated that a warrant for arrest will be sent to my home. I would like this debt to be marked for dispute and fraudulent immediately. Also I would like the collection calls to myself and former friends and family members to cease immediately
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (KS)

inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXXXX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX XXXX made an improper credit reporting status in XX/XX/. I made the payment within the 30 day grace paeriod and was told by a representative that there would be no late credit reporting. I was told the payment would incur interest but my principal payment was paid according to guidlines.
Consumer complaint received 2018-10-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (VA)

We have applied and been denied to three different modifications. Every Time we talk to someone in the mortgage review department we get a different story : add your wife, do not add wife to loan, don't add additional income you need more income. never told us what programs were even available, just that we made too much money or not enough. We are told if we send in payments they will be sent back. We make enough money to pay for our home. We are told not to submit both of our incomes. Its a complete nightmare. We have XXXX children and work hard to keep our home. We have begged them to put what we owe on the back end of the loan, and even increase our monthly amount to pay them for the few months we were behind. 
We do not qualify for any modification. I feel there should be some bracket we fall into. We are losing our home with XXXX kids, have no where to go, all due to a glitch at wells Fargo.
Consumer complaint received 2023-11-21
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. (VA)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it againXXXX XXXX XXXX Balance : XXXX