davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-12
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. (IL)

I have tried several times requesting documentation and for the creditor to stop changing my credit report constantly. I've disputed with the credit bureau with no success and here a previous time before. My rights have been violated and I want my report to be corrected and the false reporting to stop. It clearly violates the FCRA. This company goes from voluntarily to involuntary repossessions they have garnished wages without notice then they have a wage assignment that clearly is not lawful as it does not have our social security numbers on it as required by Illinois law and we don't even remember being signing it let alone it being explained to us. They say they resold the car for an amount of {$2500.00} when it sold a few times after that for {$7500.00} or more. We have never been giving a notice that they were going to sell it, where it was sold, and when we ask about documentation for the deficiency they just write whatever they want or type it out on a paper with nothing to back it legally that they got {$2500.00} for it. They have put on our credit report that it was repossessed in XXXX of XXXX then again they put it on there in XXXX of XXXX. They've done a hard inquiry on our credit report the month of XX/XX/XXXX for no apparent reason We have never applied for credit since with them. They have moved the terms from 44 months to 94 months They are constantly changing things on the credit report and it needs to stop. I want this resolved immediately. Enough is enough and this needs to be looked at The paperwork I've turned in needs to be looked at etc It's not being looked at or it wouldn't be on my credit report like this. And besides the above problems.. this company completely ignored the governor of Illinois executive orders during COVID. Wages being garnished as well as a repossession because it was voluntarily repossessed but they've changed it back and forth on our reports so if they go with the repossessed they shouldn't have done that during that time because it was COVID and an executive order was in order by state of Illinois governor. I don't think it's right companies like this keep getting by with playing on people that have to use such car lots because of credit problems or because of income. They need to be held accountable. And turning off someone's car during COVID and for that person not to get to the doctor. As I said in a previous complaint CFPB took other car companies to court because of the same issue turning off cars keeping people from working or seeking medical attention. I hope this is the investigated to its fullest and the resolution of this matter is taken seriously and done properly
Consumer complaint received 2023-03-17
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: Experian Information Solutions Inc. (IN)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.
Consumer complaint received 2023-05-02
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)

For now, I believe there are still accounts with my file that need to be updated. I thus ask that all of the false information attached and listed in my credit file be corrected right now. 
XXXX XXXX XXXX Balance : {$2600.00}, XXXX XXXX XXXX XXXX Balance : {$1600.00}
Consumer complaint received 2023-11-16
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. (CA)

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 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 2023-04-16
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: ENOVA INTERNATIONAL, INC. (CA)

In accordance with fair Credit Reporting act Net Credit account has violated my rights. 

15 USC 1681 Section 602 states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-12
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. (NJ)

I leased a car from XXXX XXXX XXXX for 4 years, account XXXX. To pay the lease, I used XXXX XXXX XXXXXXXX XXXX XXXX setup with their auto-pay service for a total of XXXX payments. During the years of payoff, I received countless generic mailings offering me XXXX sponsored trade-ins and XXXX upgrades. The first personally directed contact I received from XXXX was XXXX of XXXX. At that time a XXXX representative called to tell me that my lease was 90 days past due and that I needed to purchase the car or return it. I quickly found financing and purchased the car. 

When I asked how my account could have gone 90 days past due without anyone from XXXX contacting me, I was told that electronic communications had been sent to me. Further research showed that because I had been paying via XXXX XXXX XXXX, the buyout and past due notices had been sent to a XXXX email address rather than to me. XXXX informed me that the email address XXXX had been using did not forward to me. In other words, I had not received any notification of end of lease, terms of the lease buyout, notice of my past due account, or notice of the negative credit reporting. I asked why XXXX hadn't sent a postal letter. I was told that XXXX XXXX XXXX wouldn't have known my home address, only my electronic information. The agent told me that the dealer is who had been postal mailing me marketing materials all these years. 

XXXX has already removed these late payments from my credit report. I have repeatedly submitted similar disputes with XXXX and with TransUnion, but those disputes have not been successful
Consumer complaint received 2023-04-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: WELLS FARGO & COMPANY (CO)

I took my family on a vacation to XXXX in XXXX  and was a total lose of around {$2500.00} for the fact being wells Fargo held a check being deposited via mobile app was placed on hold and all of the reservations where cancelled and had to borrow money from friends and family after we had to sleep in a 2 door XXXX  for 3 days untill the money was released so after paying friends and family back we didn't even get to enjoy the vacation and do what was intended
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since I found out about the account I informed them that I never authorized it. and yet they don't care about me. I let them know that I am a victim of fraud and I have alerts on my credit that for any account they should call me and I never received such a call. I have been calling all three XXXX XXXX TransUnion for a week to also let them know the problem. I am in the process of purchasing my first property and I have a contract which I am going to close this month and I can not have these types of accounts which do not belong to me and are fraud. I hope you can help me, thank you
Consumer complaint received 2024-04-12
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$11000.00} XXXX XXXX - XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00}
Consumer complaint received 2024-04-12
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Please find the attached record of the account being deleted XXXX. 

I contacted Transinion previously to have an investigation completed yet they havent provided me with anything.

Transunion failed to properly investigate and resolve my previous dispute. 

XXXX has provided me with the attached letterhead stating I have no account. If the merchant is unable to locate the alleged debt, how does transunion still hold me responsible. 

XXXX, XXXX have deleted the account. Transunion continues to illegally use my name and information to further cause me economic distress
Consumer complaint received 2024-04-12
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: EQUIFAX, INC. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-12
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. (TX)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2024-04-12
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. (CA)

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 2024-04-12
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. (IL)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED 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 2020-07-29
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC (MI)

Good morning, not sure if I am talking to the right person. I have been trying to get help and advice from several places and no one can give a answer. I purchased a home in XXXX of XXXX  through XXXX mortgage for XXXX which was on a foreclosure. The home was worth at least XXXX if not more at the time. Our loan has been sold so many times and each time the loan sold they added the PMI which I called and asked why I was paying a PMI and they stated that our home was not able to remove the PMI, so I let it go not knowing what was going on. We have recently refinanced our home through our local bank. Which we found out that we should of never paid PMI as our home is worth XXXX. Also our last lender required that our escrow account to have a surplus in the amount of XXXX I thought was odd. That being said our new lender stated that we should be getting the escrow amount back as it is law, they have to send us our money back as we are going into escrow at this time that we had enough equity in our home to take the escrow out. I have just recently received a statement from our previous lender stating our escrow balance was only XXXX at that time I had called the last lender and asked where the money of our escrow surplus had gone, they stated that I needed to pay off the PMI of the remainder of the loan, and that they had to pay my insurance company my premium, which was already paid. As on the phone with them i was going though my escrow payments with the person helping me look through. We found a few problems. My house insurance was paid 2 times in the wrong amount and that they stated they got the bill from my insurance company for that amount. Talked to the insurance company today and they stated they never sent them a bill for that amount nor where they got that number from. this company is taking my money and will not return it to me. I am at a loss and not sure where to go from here nor who to talk to. Can you please help???
Consumer complaint received 2017-01-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (LA)

This loan was originated XX/XX/XXXX as non-escrows and with a fixed mortgage rate. I have always maintained by own insurance and taxes as it was required. XX/XX/XXXX my payments increased. For months I attempted to find out what caused the increase but I was unable to get anyone to explain. After many calls XX/XX/XXXX I was told the increase was caused by a negative escrows due to Nation Star disbursing a premium for Flood Insurance. Because the payments had increase by more than {$150.00} a month I was unable to make the higher payment, especially without a clear reason as to what caused the increase. XX/XX/XXXX I was told that once the loan was current the account would be anaylzed and the payments readjusted to the original which was {$490.00}. After reinstating the loan to current XX/XX/XXXX Nationstar did not re analyze the account but instead said that I had a laspe in coverage and for that reason they added the escrows lines for taxes and insurance, On XX/XX/XXXX in a 3-way conversation with XXXX who identified herself as a supervisor in the escrows department at Nationstar, my agent XXXX from XXXX and a represetative from XXXX. It was confirmed that there had never been a lapse in Flood coverage. As a result of this conversation XXXX whose contact # she provided XXXX promised the account would adjusted back to its original payment. That was done. On XX/XX/XXXX I received a letter from XXXX XXXX from Nationstar Research and Response Department denyng my request to have the escrows removed. ( see attached ) The letter gave the process of appeal for their decision which was to show proof of coverage for the time period stated in the letter from XX/XX/XXXX to XX/XX/XXXX. As requested I provided proof of continueous Flood coverage from XX/XX/XXXX to XX/XX/XXXX and from XX/XX/XXXX to XX/XX/XXXX. ( see attached policies ). In addtion to the insurance line being added, Nationstar also added taxes. Nationstar did not give me time enough to pay my XX/XX/XXXX taxes before they paid them. Yes I agree I was late in paying them, they were due XX/XX/XXXX and Nationstar paid them XX/XX/XXXX but I had every intent on paying them with the late fee if given the chance. To date Nationstar has not removed the escrows lines and my payments have not been adjusted accordingly. This increase was caused by an error of Nationstar. As a result my payments were increase by nearly $ XXXX monthly and this has caused a financial hardship.
Consumer complaint received 2024-04-12
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. (IL)

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 2023-05-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (MO)

The fact that CFPB doesn't investigate on these consumer reporting agencies is an issue for the consumer. Chexsystem made false statement in regard to my dispute submission of a police report & failed to follow FCRA 605b below is the attached evidence include last complaint that CFPB decided to close.
Consumer complaint received 2023-04-23
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: DISCOVER BANK (MS)

My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.
Consumer complaint received 2023-02-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

Yes I do have overdraft fees at my bank RBFCU but they are charging me XXXX every time I turn around d even when they don't pay for the transaction. I'm on a fixed income and I only get XXXX a month and this month alone I already have over XXXX in overdraft fees alone. This is not fair.