davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have several investment properties which I've been paying on auto pay for years. In XX/XX/2022 my mortgage provider, XXXX XXXX, transferred my loan to XXXX XXXX. I did not receive notice of this. Months later, in XXXX, by chance I noticed my credit report took a major hit due to a late payment to XXXX XXXX. 

I called them to figure out what happened, and it turned out they were now the servicer of my mortgage, and so I was late paying them because I had not realized that my mortgage had been transferred. They had an old address of mine on file, an incorrect home phone number listed that was not mine or any of my past phone numbers, the correct mobile phone number, and the correct email address. In addition, I had been receiving advertisements by email from them for months, but received no emails relating to billing or late payments. 

I immediately paid off the bill and requested XXXX XXXX remove the late strike on my credit report, and they refused. I filed disputes with XXXX, Transunion, and XXXX, and they refused to rectify the situation. Finally, I contacted an attorney, and they suggested I reach out to the CFPB. I've had a stellar credit report my entire life, and never miss any payments, and now my credit score is down over XXXX points due to this issue. I feel this is not my fault, the mortgage provider had my cell phone number and email address, which they were using to advertise to me for months, but never sent any notice of bills due or late payments.
Consumer complaint received 2023-01-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC (FL)

i have had this loan about 2 years i was under the impression that the escrow would start at the beginning of the loan just before the due date on my home insurance was due i was informed by XXXX XXXX XXXX that insurance had not been paid this was almost XXXX XXXX years ago i paid the insurance from XX/XX/XXXX to XX/XX/XXXX my insurance was re evaluated and increased by about {$400.00} per year i received a bill XXXX for back pay and increase at the same time they have made XXXX payment in XX/XX/XXXX now they want 12 months back pay pluss an increase my phone # is XXXX e-mail is XXXX XXXX can scan and E-mail you the letter
Consumer complaint received 2023-02-01
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under XXXX XXXX. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 2023-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (SC)

I have ask Credence Resource Manage multiple times to remove this collection of my credit report, I've turned in the XXXX internet equipment since XXXX  and this company has refused to remove this off my credit report. This is really unacceptable and Unprofessional.
Consumer complaint received 2023-04-09
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. (CO)

i have received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact transUnion, XXXX and XXXX through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

In XXXX I opened an account with XXXX XXXX to get access to a XXXX XXXX. I had begun repayment to this XXXX XXXX and in the month for the month of XXXX I fell behind on my payments and needed to catch up. I had then decided to repay the past due balance, but the representative at the time misinformed me of the proper process to repay that exact balance and instead had me pay the amount that was current on the account. I then expressed my concern and disappointment I had in XXXX XXXX as they failed to take any accountability in the management of my account. This event would then lead to them putting my account delinquent on my credit and has been so since then. Fast forward to XXXX of XXXX I was able to pay off the entire past due balance, and get my account positive, and since then I've approached XXXX XXXX on multiple occasions about the error they've made in the management of my account. On my Experian report it now shows that my last payment was in the month of XXXX, and that I began missing payments in the month of XXXX. What's frustrating now is that on my XXXX report there's not only the absence of this account, but nothing for the Net Credit on file at all. On the final credit bureau XXXX contains a file for Net Credit, yet they claim I never made a payment for XXXX, and that I missed a payment starting in XXXX and not XXXX like Experian suggests with their report. Attached I have the reports for all three agencies, and I now plan to get all three credit bureau reports matching with 100 % identical and information as this is my right as a consumer. Per the laws set in place I know that this account presents problematic information as it not only is contradictory to the first claim of being 100 % accurate, but it also contradicts the claim of being fair as it shows information on one report that isn't replicated and matching to the other two available.
Consumer complaint received 2023-05-22
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: Experian Information Solutions 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 Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 an 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 2023-06-10
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. (FL)

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 2023-07-07
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. The bank already agreed to update the status of this account to Open/Never Late : XXXX XXXX XXXX Please repair and update.
Consumer complaint received 2020-12-14
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. (NV)

Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. Credit Reporting Agencies need to DELETE XXXX XXXX XXXX XXXX and XXXX XXXX XXXX immediately this is double jeopardy!
Consumer complaint received 2020-12-15
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. (IL)

Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The XXXX XXXX  Account is Inaccurate and Fraudulent Info reporting on my credit profile The dates of reporting are inaccurate and its been over 7 years on my credit report XXXX remove it from my credit report and it should be remove from the other credit report companies TransUnion and XXXX
Consumer complaint received 2023-06-09
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)

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. 

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 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 an 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 2023-04-09
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. (GA)

On XX/XX/XXXX I contacted XXXX XXXX certified mail to inform them of inaccurate information listed on my credit report. XXXX responded to my letter XX/XX/XXXX to inform me that the account was charged-off XX/XX/XXXX and SOLD to XXXX XXXX XX/XX/XXXX . I will be sending out my dispute letter enforcing my consumer rights to XXXX XXXX directly as well and I will be filing a complaint with the attorney general. My rights as a consumer have been violated by furnishing my information without my consent as well as many other violations that will be stated in my letters. XXXX should be held responsible.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated. These two companies are saying that I have been late on my payments. I have never been late. I am requesting that the late payments are removed, and show that they are good standing. I am personally asking for a debt verification for the late payments and to be removed immediately as the late payments are an error to my perfect credit standing.
Consumer complaint received 2018-03-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (PA)

XXXX XXXX sold me a Nissan Altima under false pretenses stating it had a clean XXXX ( which I just found out it does not ) and under the false pretense that I had a 6.34 % rate. I overpaid for this car from the beginning based on their lie, as the damage on the XXXX that they claimed was clean immediately reduced the value of the car, which was greatly exaggerated. As for the 6.34 % APR, only 69 % of my payments have gone towards principle, which means I basically have a high interest credit card type payment for a car loan. I asked Nissan about it and they blamed the extensions they've given, but they never explained these extensions could nearly raise my interest paid to 500 % of what it should have been. When trying to trade of the Nissan completely, I found my car to be at nearly {$11000.00} negative equity, which means I can't leave Nissan if I want to. Assuming even 200 % the marked interest rate of the loan, over {$3000.00} more would have went to principle making a trade out slightly more possible. I am trapped by Nissan because of their deceit at the dealership and also by Nissan Finance practices themselves.
Consumer complaint received 2020-12-15
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-02-01
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. (TX)

XXXX XXXX is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I reached out to them directly for validation of this account as well as documents concerning this debt and was sent back a copy of a contract as well as a statement. There were no signatures on the contract sent and statements are not sufficient proof. A contract without signatures invalidates the debt as they do not have valid proof of any legally binding documents to validate this debt. 

Furthermore, each credit bureau is reporting inaccuracies concerning this account which is illegal according to the consumer laws. 

They are reporting inaccuracies pertaining to the open dates. XXXX is reporting this account was opened on XXXX and XXXX and Equifax is reporting XX/XX/XXXX. They are also reporting inaccuracies concerning the last active dates. XXXX is reporting XXXX XXXX XXXX and Equifax XX/XX/XXXX. Lastly, they are reporting different report dates. XXXX is reporting XXXX XXXX XXXX and Equifax XXXX 

If each bureau gets their information from the same place, how is it that they are all reporting very different things? How is it that XXXX XXXX is validating this account as well as provides information concerning this debt to the consumer reporting agencies but allows them to report inaccuracies? How is it that each bureau is reporting different last reporting dates and i have been disputing this inaccurate account since XXXX  of XXXX? That is illegal as that means that they have not been actively updating my reports and processing my disputes. Each bureau XXXX, XXXX and Equifax has also received a copy of my FTC as well as identification documents detailing this debt does not belong to me. 

Each credit bureau as well as XXXX XXXX has been in violation of my rights as a consumer and the credit laws and I am demanding that this account is deleted from my credit reports.
Consumer complaint received 2020-12-15
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: EQUIFAX, INC. (IL)

Ive been contacting the credit bureaus for XXXX months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER. INVESTIGATION ARE TAKING LONGER THAN XXXX BUSINESS DAYS!!
Consumer complaint received 2023-06-09
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. (NV)

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. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX Original creditor : XXXX XXXX : 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 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.