davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2023-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

According to FCRA section 611, I have the right to dispute any information on my credit report that I believe is not correct. I can not recognize or accept the allegation of delinquency without factual proof. You should not report any allegations that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your allegations are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions. The following claims are unverified and require further investigation. Please report any verified claims immediately.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I contacted TransUnion by telephone & email many times to resolve this problem. In XXXX of 2015, someone stole my credit card information and made fraudulent purchases. They also attempted to open new accounts in my name, but were unable to due to lack of verification by me. Because of this, TransUnion refuses to allow me access to my credit reports, freezes, etc. online FOR LIFE. XXXX XXXX XXXX have no problems with this. I've asked TransUnion to allow me to identify myself in any way to solve this, but the requests go unanswered. Anytime that I have tried to log in to my online account, I get a " this account is locked '' type message.
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 status incorrect
Company: EQUIFAX, INC. (FL)

Equifax is showing an account as in collection with XXXX management Company. 
When I checked for more information on their site concerning this account it showed XXXX XXXX Account open Account settled for less than amount owed. 
According to the information available on Equifax site XXXX should have reported the account was settled and closed but for a lesser amount than owed. Then the collection should have been removed from my report and XXXX points applied to my score. I did check the other Credit reporting agencies and this account was reported settled and removed as a collection owed. 
Not sure why Equifax didn't. I would of thought with a XXXX balance it would seem the account had been satisfied. XXXX should of reported the account closed when I paid the agreed settlement amount. There were wrongs on both sides. However, I am the one that was affected by the lack of correct reporting. 
Hopefully you will be able to correct the errors. Thank you,
Consumer complaint received 2023-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My checking account was frozen XX/XX/ for a fraudulent check deposited electronically by a company phishing via email. 
I was told by Capital One bank that I had been scammed and that my account had been frozen. 
I was told that the account was being investigated and that it could take up to 90 days for the account to close and my funds to be sent to me as a check in the mail. Last month, XX/XX/, I spoke with a sarcastic rep. who told me to come and pick up the funds from a branch that is very far. I would end up spending almost the same amount of the monies due to me in gas to get to the branch. 
Again, I was told to wait for the funds in the mail. Today I see the account has been closed. I called to verify that a check has been sent to me in the mail and the bank keeps putting me back in queue and then hanging up on me. 
I just want my money back. I still have a credit card with the bank and I no longer want a banking relationship with Capital One, only for the back to send my little funds due to me in the mail.
Consumer complaint received 2024-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (FL)

XX/XX/24 I called in to Mr. Cooper because my XXXX forbearance is ending XX/XX/24. I was advised a payment deferral was in process and my next monthly payment would be due XX/XX/24. XX/XX/24 Mr. Cooper sent me my payment deferral letter stating that my payment was due XX/XX/24 not XX/XX/24. I called them and they said there is nothing they can do to correct it. It makes it very difficult to turn around and ask for nearly XXXX in XXXX weeks ' time after a hardship.
Consumer complaint received 2024-03-04
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (MI)

Hello, my names XXXX XXXX and I feel like Ive been scammed. On top of the embarrassment of being scammed, I also have the fact that Ive spent XXXX grand in my debt consolidation journey, and nothing has changed. I began back in XXXX  2023, making twice a month payment of {$420.00}, with all documentation saying that a settlement would be aligned on in less than 6 months. Now here I am a 13 months in, and now the company went completely dark. The phone numbers dont work, the email address Is a void, and even the lawyer information that was provided to me leads to a fake looking website with a number that does not work. Im so frustrated and disheartened, I dont know what to do next. 
They committed to doing 2 things, settle my debt to be a fraction of what I owed, and deliver the settlement within 6 months.
Consumer complaint received 2024-03-04
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Mitsubishi Motors North America, Inc. (AZ)

- **Business Name : ** XXXX Mitsubishi - **Business Address : ** XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Involved : ** Auto Financing/Additional Add-ons **Issue : ** Unfair Practices/ Misrepresentation **Complaint Details : ** On XX/XX/2024, I entered into an auto financing agreement with XXXX Mitsubishi for the purchase of a vehicle. As part of this agreement, I was explicitly charged an additional {$790.00} for a XXXX XXXX tint, which was represented as a pre-installed product on the vehicle I purchased. This was not presented as an optional service but as a pre-existing enhancement to the vehicle, thereby influencing the total financing amount and the terms of my agreement. 

Suspecting the tint had not been installed, I sought independent verification from XXXX 's XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. Their professional assessment confirmed that no aftermarket tint had been applied to the vehicle, directly contradicting the terms of the financial agreement based on XXXX Mitsubishis representations. 

Upon confronting XXXX Mitsubishi with this discrepancy and seeking a refund for the misrepresented product, I was met with refusal. The dealership inaccurately claimed the charge was for a service a claim contradicted by the sale 's context and cited my reluctance to return the vehicle for inspection to a dealership located XXXX hours away as a basis for denying the refund. This stance disregards the financial impact of their misrepresentation on the terms of my auto financing. I did not pay for an aftersale service. I paid for a product that was supposed to have already been installed. 

**Desired Resolution : ** I seek a full refund of the {$790.00} falsely charged for the non-existent XXXX Ceramic tint, a correction to my financing agreement to reflect this refund, and any adjustments to the interest or terms that may result from this correction. This resolution is essential to rectify the financial and contractual inaccuracies resulting from XXXX Mitsubishi 's unfair and deceptive practices. 

I request the CFPB 's assistance in addressing this matter, ensuring the enforcement of fair financial practices and the integrity of consumer financial agreements. 

Thank you for your attention to this matter and for your work in protecting consumers from unfair financial practices. 

Sincerely, XXXX
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2023-04-17
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: EOS Holdings, Inc. (VA)

On XX/XX/2023. I called to settle a debt with a company named EOS CCA. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to EOS CCA and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid EOS CCA. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Not sure why this account is still being shown on my report. XXXX already removed the tradeline from the report as this fraudulently opened. XXXX has already removed the tradeline but for some reason, XXXX and Transunion keep saying the information is accurate?? Please have these removed immediately as it is impacting my credit worthiness and future purchases.
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (CA)

I have given instructions to aid advantage in the past to opt me out from Sharing my information unfortunately for some reason this information continues being Update it on my XXXX consumer credit report this information is a fraudulent information that I have disputed with the CFPB in the past, aid advantage has been sending me an Incomplete Promissory note without the Wet signature contract, so, I am writing to exercise my right to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties. Please take note of the following instructions regarding this information sharing and sales policies. Under 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XXXX XXXX XXXX from requirements of 433.2 ( a ) Also. I'm asking for the Opt-Out Request I hereby request that aid advantage do not disclose or reserve the right to disclose my nonpublic personal information to any nonaffiliated third-party Categories of Information Please identify all the categories of nonpublic personal information that you currently disclose or reserve the right to disclose, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of Regulation P. Additionally, specify all the categories of nonaffiliated third parties to which this information is disclosed
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (AZ)

I started working with XXXX delivery and was told I already had a Branch bank account set up but I have not been able to get into it. The bank refuses to help me and the XXXX  company has nothing to do with it. I have been reaching out for two weeks. I have a XXXX XXXXXXXX that was deposited on XX/XX/2023 as well as a week before and have yet to see my money.
Consumer complaint received 2023-12-07
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. (FL)

I recently tried to apply for a home loan but I was denied. After obtaining a copy of my credit report, there are some major issues that need to be addressed. I found the following accounts to be in error and would like them updated/deleted : XXXX XXXX XXXX XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please update to never late! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please update to never late! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error - Please delete immediately! 
XXXX - XXXX - Under 15 U.S. Code 1666b - Billing error- Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX  XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
XXXX XXXX XXXX - XX/XX/XXXX - Under 15 USC 1681q. Obtaining information under false pretenses. - Please delete immediately! 
I would greatly appreciate your prompt time and attention to this matter. 
Thank you, XXXX XXXX
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate 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
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXXXXXX XXXX XXXXXXXX - XXXX XXXX  XXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXXXXXX XXXX  customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX XXXX XXXX.
Consumer complaint received 2023-10-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NY)

I'm writing to express how deeply annoyed and dissatisfied I am with the way your bureau has handled my complaints about identity theft. I have tried numerous times to fix this problem, but I have never received a satisfactory response or action from you. 

I was the victim of identity theft, and because of the unauthorized accounts and transactions that showed up on my credit report, I had to deal with a lot of emotional and financial difficulties. I reported these fraudulent acts to your bureau, and in order to prove my innocence and support my assertions, I sent all the required paperwork along with thorough explanations. 

But, a very long time has passed since I first brought up these issues, and I still haven't received a satisfactory answer or resolution. In addition to causing me a great deal of stress, this delay has had real detrimental effects on my financial security. Because of errors on my credit report, I have had my credit applications denied, my interest rates increased, and I have been harassed by XXXX XXXXXXXX nonstop. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I implore your agency to investigate my identity theft complaints thoroughly and promptly. I demand that you give my case top priority, look into this matter thoroughly, and get rid of the bogus accounts and activities from my credit record as soon as possible. I also want regular information on the status of my claim and a well-defined deadline for its conclusion. 

I think it is my right as a customer to have my complaints taken seriously and swiftly addressed. I'm ready to seek legal advice and take this issue up with the relevant regulatory bodies if your bureau doesn't respond satisfactorily in a fair amount of time. I want to make sure that justice is done.