davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

YOU HAVE BROKEN THE LAW. I notice that you placed incorrect information in my consumer report. Any late payments are considered a transaction and experience, which is prohibited from being reported on my consumer report unless it is clearly and conspicuously disclosed. 35 % of my calculated consumer score comes from Payment history and by you reporting in-correct information you are letting others know I am not creditworthy. Below is the law you have broken and violated my rights. Title 15 - COMMERCE AND TRADE CHAPTER 41 - CONSUMER CREDIT PROTECTION SUBCHAPTER III - CREDIT REPORTING AGENCIES 1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general. The term consumer report means any written, oral, or other communica-tion of any information by a consumer reporting agency bearing on a consumer 's credit worthi-ness,1 credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the pur-pose of serving as a factor in establishing the consumer 's eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions. The term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( I ) report containing information solely as to transactions or experiences between the con-sumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affil-iated by corporate control; or ( iii ) communication of other information among persons related by common ownership or af-filiated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; As you know, each violation is up to {$1000.00}. Not including the actual damages done to me for not being able to get the house I wanted, paying high car notes because of the interest rates, and not being able to get other things. I want you to fix this immediately and compensate me for the damages you have done to my reputation and my life.
Consumer complaint received 2022-10-22
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. (NY)

I ordered a copy of my report and I found out that credit reporting agencies indicate my dispute of information in my credit report. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. I believe it was reporting in error. 
DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} DEPT OF EDXXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$8800.00} XXXXXXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$5100.00}
Consumer complaint received 2018-08-02
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Services, Inc. (OH)

I received a letter from a debt collection company by the name of Financial Recovery Services INC dated XX/XX/XXXX - which states that the current creditor is XXXX XXXX who is in affiliation with XXXX XXXX. The letter they sent me clearly violates the FDCPA 807 ( 10 ) "  False or misleading representations '' in which the preclude to the letter states " Assigned as a Pre-Legal Account ''. The letter continues on with multiple misleading and confusing statements cited as : If we can not resolve this account, our client will place the account with a law firm and in the same paragraph goes on to state We do not make any decision whether to place any account with a law firm as that decision rests solely with our client. No decision will be made regarding whether to place any account with a law firm until after the end of time frame described below. This is clearly misleading as in one sentence they tell me it WILL be placed with a law firm and a few sentences later it is inferred that it may or may not be sent to a law firm by the beginning sentence of No decision will be made regarding whether to place. This is an illegal practice under FDCPA in which the debt collector is threatening legal action that has no proven intent and is also violation committed by Financial Recovery Services under FDCPA 807 ( G ) ( 5 ). Any letter from a debt collector or creditor has to be clear and concise and be able to be understood by the least sophisticated consumer. The materiality element of the Least Sophisticated Debtor Standard does not hinge on what an ordinary individual might reasonably interpret from a debtors communication, but rather, a material statement is one that has a natural tendency to influence or has the capability of influencing the decision of the decisionmaking body to which it was addressed. Id. Here, the relevant decisionmaking body is the least sophisticated debtor. Id. ( citing XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 
Furthermore, Financial Recovery Services states that the " current creditor '' is XXXX XXXX. Under the FDCPA the term " creditor '' is defined as anyone who extends or offers credit. Financial Recovery Services nor XXXX XXXX ( XXXX XXXX ) has ever extended or offered any credit to me.
Consumer complaint received 2017-05-16
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (TX)

Hello, I am having a problem wi th Wells Fargo Dealer Services ( my  car loan ). Around  XXXX  of  2016  I became unemployed. Therefore, I was having problems making my payments. I calle d WellsFargo Dealer Servic es and explained to a representative that I was unemployed and needed help making my payments. The representative stated that they could set up a payment arrangement. I was told to make my  XXXX  payment in  XXXX  parts. My monthly payment is {$440.00}. Therefore, we agreed that I would pay {$220.00} in  XXXX  and {$220.00} in  XXXX . I made my payments accordingly. They, however reported me as " late '' to the credit reporting agencies. This is unfair because I was never advised that though they set up a payment arrangement, they would still report me " late '' to the credit agencies. I spoke with a Supervisor at  Wellsfargo Dealer Services and also sent them a letter asking that they correct the problem. They refused to do so.
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc. (IN)

This account was closed and equipment was returned. THIS ACCOUNT WAS CLOSED WITH A NEGATIVE BALANCE. XXXX even sent me a {$60.00} refund and gave me a credit. 

If this shows up on my credit report and this not closed/removed immediately, I will press charges for harassment against Credit Management LP as well as XXXX. 

I spent multiple times on the phone with XXXX. 

I separate want a letter addressed to me from XXXX and Credit Management LP apologizing for the headaches it has caused me and showing the balance is XXXX out.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Credit Adjusters, LLC (TX)

I had a debt sold to National Credit Adjuster this debt is old. They are reporting this debt as new. I have disputed this debt with the credit bureaus with no success. This aged account should be off my credit profile. They are reporting the debt is 3 years old but it originated over 8 years ago.
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (NC)

I have an Apple XXXX card, sponsored through Goldman and Sacks. I brought an XXXX XXXX for my grandson for XXXX, XX/XX/year>. I did not know that the Customer Service Rep. processed the bill on the card as a regular sale. The promotion was 0 % interest for 12 months using the card. 

I did not discover this error until 2 months later, while trying to use my Apple Pay XXXX to make a payment on the bill. Thats when I realized they were charging me interest on the bill. I immediately called Apple, they did nothing. I also called Goldman and Sack and the XXXX acknowledged the mistake, and corrected it for future billing, but never removed or subtracted the interest of {$8.00} that had already been put on my bill. I have called them atleast XXXX or XXXX times to address this and they have consistently refused to remove that amount off my bill although some clerks admit that it is there incorrectly. 

Secondly, unless you own an Apple phone, and I dont, they refuse to allow you to make payments using your Apple credits and they refuse to take a payment without having your credit card permanently stored in their system. I have also made atleast XXXX calls to bothe Apple and XXXX to address these issues. I ASKED THEM TO REMOVE MY CHECKING ACCOUNTING NUMBER FROM THEIR SYSTEM AS THEIR CSR HAVE ACCESS TO THE ENTIRE NUMBER AND QUOTE IT AND ASK ME TO VERIFY IT EACH TIME I CALL WHICH INCREASES THE POTENTIAL OF IN-HOUSE AND EMPLOYESS FRAUD ON MY ACCOUNT AND ALL OF ITS CUSTOMERS ACCOUNTS. 
NEEDLESS TO SAY, THEY HAVE CONSISTENTLY REFUSED TO REMOVE MY NUMBER FROM THEIR SYSTEM. I CALL MONTHLY TO SEE IF IT WAS REMOVED SND EACH TIME THEY VERIFY THAT IT HAS NOT BEEN. IF MY MORTGAGE PAYMENT EVER BOUNCED I WILL KNOW THAT IT WAS APPLE WHO COMMITTED THE FRAUD BECAUSE ALL OF THEIR EMPLOYEES HAVE ACCESS TO MY CHECKING ACCOUNT NUMBER WHICH THEY SAY THEY ARE ENTITLED TO KEEP EVER. THIS IS TOTALY UNETHICAL AND NOT RIGHT IN ADDITION TO ALL OF THEIR OTHER BUSINESS PRACTICES. 

I WANT THEM TO REMOVE THOSE INCORRECT FEES THAT SHOULD HAVE NEVER BEEN CHARGED TO ME AND REMOVE MY CHECKING ACCOUNT NUMBER FROM THEIR SYSYEM.
Consumer complaint received 2022-10-22
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. (PA)

An unscrupulous collector tried to put an account on my credit report from XXXX when I was a XXXX year old XXXX and changed date to XXXX and put it on my report last month in XX/XX/XXXX. A ploy that the credit reporting agencies should have easily corrected but they verified a totally false entry on my credit report as correct. XXXX did not fall for it but transunion and XXXX  allowed it to stay on my report which is illegal.
Consumer complaint received 2023-07-15
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. (FL)

I sent my letters off on XX/XX/ I told the bureaus to investigate every piece of information on my accounts I listed before on the date I just mentioned on XXXX XXXX XXXX According to the FRCA the term of investigative consumer report means a customer report or portion thereof in which information on the customer 's characters, general reputation, personal characteristics, or made a living is obtained through personal interviews with neighbors, friends or associates of the customer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information they stated my accounts were verified/updated but how is that possible if they did not do an proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 percent accurate and according to FRCA 15 USC 1681 everything has to 100 percent accurate.
Consumer complaint received 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, XXXX XXXX Account # 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 2022-10-22
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. (TN)

In accordance with the Fair Credit Reporting Account, 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 2023-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NV)

I opened a Citibank Checking Account where I would receive XXXX American XXXX XXXX if I did the following : 1 ) Open a new consumer Checking Account between XX/XX/XXXX and XX/XX/XXXX. 
2 ) Qualifying Citibank Debit or ATM Card Purchases of {$1000.00} 3 ) And 2 or more Enhanced Direct Deposits totaling {$1000.00} or more I completed these on XX/XX/XXXX. I then chatted with customer service on XX/XX/XXXX, and they confirmed I would receive my XXXX American XXXX miles to my account ( XXXX ) 30 days after I completed the necessary steps. It's been over 30 days and I the miles are not in my XXXX account. See attached for more information.
Consumer complaint received 2022-11-29
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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC. (MS)

This complaint is about a repossession that Ally Financial reported on my credit record. I want to know why it is there. I too would like to see it eliminated. The automobile was not repossessed. The vehicle was involved in an accident, and I am in possession of all supporting evidence. The automobile has been completely paid off. I have proof of a paid-off automobile and no missed payments in my credit history. I have filed a dispute with the three credit reporting agencies and Ally Financial. A class action lawsuit asserted that the notices Ally Financial provided to borrowers before and after the repossession of their property did not comply with each state 's Uniform Commercial Code form and content standards. Ally Financial Inc. v. Haskins, Case No. XXXX in the XXXX Judicial Circuit Court for XXXX XXXX XXXX Missouri XXXX was a class action case.
Consumer complaint received 2024-03-28
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. (VA)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 
Inquiries XXXXXXXX XXXX XXXX XXXXXX/XX/20XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 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 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (OH)

I have made numerous phone calls, one as recent as yesterday ( XXXX ) where I called AND emailed them to do TWO THINGS : 1. To REMOVE my consumer statement that has been on my report since XXXX 2. To show that my student loans have been paid-off since XXXX. 
I sent a request in writing to Equifax on XXXX and called that day and requested that these situations be resolved ... .again. At the time, there was also a problem with another loan that I had paid off that they were not showing paid and after I sent them proof, that " was '' correct, but the other issues were " under investigation. '' Well, late yesterday, at XXXX XXXX, I spent a half hour on the phone with " XXXX '' ( # AIQ ) at Equifax trying to find out what was going on. She was extremely nice and after putting me on hold for a long time, she assured me that the " consumer statement '' was removed because " it was not showing up on her side '' of the system. I kept showing it when I logged in, and even when I logged out and back in, the statement was still there. She then advised me to log-in on XXXX, which I just did, AND IT IS STILL THERE! When I called last night, I explained to her that I received this confirmation in the mail from Equifax that they did it and yet it was still on my report. I read her the confirmation number and she said that something was wrong but that she has seen where this has happened before. She then put me on hold and came back and said she corrected it, but apparently not! 

As for the school loans, that is there too, despite the fact that I sent them documentation that it was paid off. My credit report should only show that I have a home equity line and that it has an EXCELLENT credit history. My credit is being hurt as a result of this and I would like it corrected. Thank you.
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. (VA)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

Name of Account : Account Number : Provide Physical Proof of Verification : 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 Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have tried to reach Transunion, XXXX  and XXXX will not allow to dispute on line. states I have a dispute I did not do. Ex-husband took my card without my consent
Consumer complaint received 2023-05-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (OK)

To whom it may concern, My name is XXXX XXXX and I am here to fight back, and make a stand against the gross injustice the SLS mortgage company has brought and continues to inflict on my family. 

Rather than finding a way to work with us / taking responsibility for their own sloppy mistakes ( no notice served / incorrect address, broken agreements too many to count ). 

Negligence is one thing, but Im afraid thats not the case here.. the degree of their misconduct is troubling and they should be held responsible for their behavior. 

They have gone after me, my family and my home with malicious intent. 

Not willing to even PRETEND to try and work with us / offer a reasonable solution at any point of this nightmare. SLS abused their power as a financial institution to bully us into a corner Not only have they refused to work with us, but whats worse is how theyve gone out of their way to perpetuate lies. unjustly attacking us and going all in on defending their fraud and criminally behavior. They are undoubtedly doing all they can to cover tracks and escape the liability which inevitably will track them down. They can say whatever they please, Im here to defend the truth and it will prevail. I have receipts/specific info which clearly shows the bombastic misconduct / borderline criminal activity dealing with them on too many occasions to count. 

Please, reach out / respond ASAP I never missed a payment until COVID The payoff was less than {$40000.00} after with more than {$200000.00} of equity in the home. 

stranglehold on our property. 

sabotage us they are trying to steal my home