davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-25
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. (GA)

XXXXXXXX XXXX  XXXX changed from XXXX XXXX  in XXXX. Since that time there have been several internal errors that resulted in lates on my account ( number ending in XXXX ). 

My payments were automatically deducted from my bank account. But during their change over, in XXXX of XXXX, they did not remover the payment until AFTER the due date. 

In XXXX of XXXX, I contacted the bank BEFORE my due date and they agreed to defer three payments on the account due to covid. Once again, they did not put this on the account properly and a third late payment was posted. 

Finally, in XXXX of XXXX, the bank raised my escrow amount but failed to notify me. This left my automatically deducted payment, {$500.00} short and resulted in another late payment reported. This was NOT my error. 

I have spoken to XXXX XXXX in the banks ' accounting and reporting department along with a supervisor ( first name XXXX XXXX. They agreed to remove these delinquencies from XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX ... but apparently updating on their system does not update the bureau records. 

Please remove these three delinquencies from my record from XXXX XXXX or delete this item from my file.
Consumer complaint received 2023-06-23
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2018-04-09
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: BlueChip Financial (NY)

I got a call from XXXX which comes up on my phone as " XXXX XXXX '' saying I owe XXXX XXXX. 

No clue who these people are and I dispute the entire transaction and think it is a scam debt collection.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-05
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: Nelson Cruz & Associates LLC (MO)

Contacted Nelson Cruz and Associates on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. 

Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.
Consumer complaint received 2023-03-02
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. (UT)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Mortgage Acct # 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 2023-04-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sunlight Financial LLC (TX)

I was approved for Solar Panel and a Gas Generator to be install on My House.

This was more than 2 yrs ago. Total cost {$49000.00}. 
The Solar Panels was installed but the Gas generator was never installed.

They said it was on order and even gave me and upgrade. But it was never Installed. I reached out to see how much it would cost est. {$12.00} to XXXX. The installer ( XXXX XXXX ) took my good Credit and cash I was approved for, went and installed other solar panels with my Money. 
Telling SunLight Financial that the Job was Finish. But I've been paying for product I never received. I want so compensation!
Consumer complaint received 2023-06-23
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. (MI)

Dear Sir/Madam, I am writing to address a significant concern regarding the reporting of inaccurate information on my consumer credit report by the XXXX XXXX XXXXXXXX XXXX It has come to my attention that the account in question is inaccurately reported with different payment statuses across the credit bureaus. TransUnion reports the payment status as " collection/chargeoff, '' while XXXX reports it as " Late 120 days. '' Additionally, XXXX correctly reports no account associated with this information. This discrepancy in reporting is causing substantial damage to my reputation and financial standing. I demand the immediate removal of this inaccurate account from my consumer report. 
The reporting of incorrect information on my consumer credit report by the XXXX  XXXX XXXX is not only misleading but also damaging to my creditworthiness and overall financial well-being. This inaccurate reporting is causing denials on credit applications and tarnishing my reputation. It is imperative that the XXXX XXXX XXXX takes responsibility for the accuracy of its reporting and rectifies this situation promptly by removing the account from my consumer report. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without any delay. 
Failure to comply with this request will leave me no choice but to pursue legal action to protect my rights and seek appropriate remedies. In such a case, I will seek compensation for actual damages caused by the inaccuracies and violations, and I will request the court to award punitive damages to address the harm caused to my financial well-being and reputation.
Consumer complaint received 2017-07-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Lendmark Financial Services (VA)

I was contacted by the lender and told i was eligible for a {$3000.00} increase. She asked me if i rent and what my monthly rent was. I advised her i had just refinanced the loan. She stated I was eligible for an increase and asked if I wanted the full {$3000.00}. I advised her that I did not want my payment to go over $ 300 monthly. She stated she would call me back after she processed the paperwork. She never obtained my permission to pull my credit. The next morning she advised me the company declined to extend the credit. I advised her I had discussed the fact that I had just refinanced prior to her offering an additional loan. She advised me I was eligible for the loan but the company declined. I have received a copy of my consumer report with a hard pull from the lender. I have contacted the office to report this.
Consumer complaint received 2022-11-14
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. (TX)

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 : XXXXXXXX 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 XXXXXXXX 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.
Consumer complaint received 2023-06-23
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. (TX)

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 2022-11-14
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 XXXX XXXX listed below has violated my civil rights : XXXX XXXX XXXX XXXX : {$100.00} 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/2024 IQ Data International XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Dear Sir/Madam, I am writing to formally dispute the inclusion of an account on my credit report and to request a cease and desist regarding any further reporting of this account. The account in question pertains to XXXX & XXXX, which is currently listed on my credit report. 

Upon reviewing my credit report, I noticed that this account is negatively impacting my XXXX XXXX. However, I want to bring to your attention that I am not solely responsible for the obligations associated with this account. 

The account in question stems from a shared living situation in an apartment where I had roommates. During the time of residence, the utility bills and other associated expenses were divided among all occupants. Unfortunately, it appears that the responsibility for this account has not been properly allocated, resulting in its appearance solely under my name on my credit report. 

I would like to emphasize that I am not disputing my responsibility for any legitimate debts that are accurately attributed to me. However, in this particular case, I am not solely responsible for the obligations related to this account. This negative inquiry on my account is hindering me from buying a home and elevating to the next chapter of my life. Im only XXXX and I have so much more to achieve in life. 

As such, I kindly request the following actions : XXXX. Cease and desist any further reporting of this account on my credit report. 
2. Delete the account XXXX & XXXX from my credit report entirely. 

I understand that as per the Fair Credit Reporting Act, you are obligated to conduct a reasonable investigation into this matter. I hereby provide any necessary authorization for you to contact the relevant parties and gather the required information to resolve this dispute. 

Please acknowledge the receipt of this dispute letter and provide me with a 30 day timeline for your investigation and resolution of this matter. I look forward to your prompt attention to this issue and the removal of the disputed account from my credit report. 

Thank you for your cooperation and assistance in resolving this matter. 

Best Regards, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (NM)

Lets begin with what person cleans their bank account out the way it happened to me in sudden rapid large sums and empty their own savings account in random chunks in a span of 3 days? If you investigated properly you would seek the sporadic behavior and compare to their other spending habits and see how I never spend all my money and always have a savings filled. 

My phone was stolen along with my personal information that is all uploaded into the XXXX and allows access to all my Bankss and private information ( save passwords ). Once I was able to get another phone, I downloaded my apps and noticed a significant amount of funds missing from my bank and being sent to XXXX XXXX  which I do not use. When I say significant I mean my savings were completely wiped out and I was left with nothing. I reported it to the police and reported it to my bank. My bank says that they wont cover it as it should since they are insured by the FDIC {$250000.00}. They are allowing my money to be stolen with no reason or proper investigation as a bank should with such a case ; especially when the police are involved. I need a proper investigation and cant take a {$4000.00} loss. If it was just $ XXXX Id let it slide but this is my only funds available. 

After reporting and had fraudulent activity they closed my account which I added the email screenshot of their response to not wanting to help me and cancelled my whole account to not have to deal with the serious circumstances at hand. I have also attached the screenshots of my bank account and the rapid monies being sent out.
Consumer complaint received 2021-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Inquires on my report are not mine Never gave any consent reporting inaccurate and I have no accounts open with them Needs to be removed immediately do to the fair reporting act
Consumer complaint received 2024-04-18
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC (MD)

XX/XX/XXXX i call to get my balance will taking to XXXX of their employees she mentioned that quality for increase but thought the XXXX of XXXX was my date for increase so I applied got denied I would have asked for this increase if I thought they going to denied me it looks bad on your credit reports so basically they didn't up hold my increase
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc. (NY)

After reviewing my consumer report FactorTrust has been reporting inaccurate data on my report such as inaccurate addresses and an inaccurate phone number. The inaccurate addresses FactorTrust is reporting is not deliverable to me by the XXXX XXXX XXXX and its not reported as per FCRA section 623 as its inaccurate. Also the home phone number that is being reported is inaccurate as well and needs to be removed off my consumer report immediately. Attached will be a copy of my State issued ID together with my recent bank statement to proof of my accurate address that needs to be updated on my factor trust consumer report.
Consumer complaint received 2022-11-14
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. (NY)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (WV)

In accordance to the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604 A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-06-16
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. (NY)

The payments on the student loan was deferred from XXXX XXXX XXXX  in XXXX, 2020 due to the current pandemic COVID19.  XXXX XXXX XXXX  still reported the account as 30 day delinquent, 60 day delinquent and 90 day delinquent for no payments in XXXX, XXXX, and XXXX, 2020 which was incorrect. There was no communications either through written mail or phone from XXXX XXXX Bank from XXXX, 2020 through XXXX, 2020 that a payment was needed. I got a mail letter on XX/XX/2020 stating it was past due and I immediately made the account active on XX/XX/2020 with a payment of {$600.00} and another payment of {$200.00} on XX/XX/2020. I contacted XXXX XXXX XXXX   stating this was incorrect as the loan was deferred due to COVID19. They need to correct the credit reporting of the delinquents reported which was incorrect and as the loan should have been deferred. I submitted a dispute and the dispute letter was sent saying it would stand as reported and it would not be corrected. I deferred the payments of the student loan and XXXX XXXX XXXX  still reported to all the Credit Burroughs for 30 day, 60 day and 90 day as late/delinquent.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Dispute interest charge : XXXX. 

I noticed an insufficient payment for this account on XX/XX/22. However, I was unable to make any payments since I was informed that I must wait until the return payment was posted. In the meantime, I was charged a past due fee and interest charge totaling {$30.00}, despite having noticing this and wanting to make payments to avoid precisely the above charges/fees. 

Request : Capital One compensate me for your inability for a consumer to make payments during waiting period for the payment to post but still charged interest charges.
Consumer complaint received 2022-11-21
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: EQUIFAX, INC. (IL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX ; XXXX XXXX XXXX UNIT XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX