davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-25
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
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. (IN)

In accordance with the Fair Credit Reporting act XXXX the following Accounts has violated my rights. 

Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX  Laws : 15 U.S.C 1681 section 602 A. States that 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 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (PA)

I co-signed a card for a friend who was getting {$3400.00} to have XXXX XXXX XXXX. it was a line of credit for medical expense. The person who was making the payment was locked out of her account online and she tried, has several emails back and forth trying to fix that problem. She started paying over the phone because they do not send statements and she has no emails from them. I do not get anything. I found out my credit score went down by more than XXXX points because they reported me for not paying. Although i was a co-signer, i was never given any notification whatsoever that this was going into collection. My credit report shows a collection. When i called the company i found out it is not in collections. HOwever, the statement on this account shows {$2500.00} due. When i called and on my credit report, it shows {$5600.00}. They hung up on me when i wanted a printout of how they added this much to the balance and is it legal for them to ruin my credit without giving me an opportunity to fix it or pay?
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts. Please investigate these accounts that are erroneously reported in my file : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (VA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-07-25
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. (TX)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX XXXX Account Number : XXXX  It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account.

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Personal information NAME Wrong names associated with my credit report ALSO KNOWN AS XXXX XXXX XXXX XXXX XXXX GENERATIONAL IDENTIFIER Address never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers Never worked at XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NJ)

I submitted my completed and signed XXXX form over 3 months ago. I have yet to recieve any information about it being processed or received. I've called Mohela everyday for the past XXXX weeks. I can not get a person on the line. Yesterday I was on hold for XXXX minutes and then was hung up on before I can talk to anyone. I just want to know what I need to do before the XX/XX/XXXX deadline. Do I need to resubmit? Do I need to wait? Nobody will answer the phone. Absolutely horrible
Consumer complaint received 2022-10-27
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)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-06
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. (NJ)

In accordance with the Fair Credit Reporting act 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 2023-03-08
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. (AL)

checking my file ive noticed alot of mislead information that is hindering my file. please delete & remove the information that is incorrect on my credit report with Equifax. remove all the information submitted asap.
Consumer complaint received 2021-11-10
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

Experian refuse to conduct a proper investigation from my dispute, and delete account reporting by email XXXX/XXXX. 

The following are the reason ( s ) why XXXX/XXXX  should be deleted from reporting with Experian : This account is too old to collect and/or report an open and closed debt in the state of Michigan. Therefore, should be deleted.

Michigan Limitation of Actions For most collection actions, there is a specific period of time during which a creditor may pursue the collection of a debt. In Michigan, the filing of a breach of contract and/or open account action, for default of a credit card agreement, for example, must be done within the 6-year Statute of Limitations. MCL 600.5807 ( 8 ). The relevant date for determining when the six-year Statute of Limitations begins to run is the date of the last activity on the account, whether it be a purchase or a payment made. For a debt arising out of the sale of goods which is governed by the Uniform Commercial Code ( UCC ), a collection action must be commenced within 4 years after the cause of action has accrued. MCL 440.2725 ( 1 ). In the sales scenario, a cause of action occurs when the breach occurs, regardless of the aggrieved partys lack of knowledge of the breach. MCL440.2725 ( 2 ). Civil judgments in Michigan expire 10 years after the date of entry, but may be renewed for another 10-year term if a motion to renew judgment is filed and an order entered prior to its expiration date. MCL 600.5809 ( 3 ). In order to collect upon a judgment entered in another state, where the judgment-debtor is now living in Michigan, it is necessary to first domesticate the judgment in the appropriate Michigan court . A foreign judgment domesticated in Michigan is subject to the same 10-year date of expiration from the date of domestication, unless renewed by motion prior to its expiration date. MCL 691.1173.
Consumer complaint received 2023-07-25
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. (CA)

XXXX XXXX XXXX for {$2400.00} is a closed account showing up on my credit report file. This is fraudulent and opened using my identity without my consent.
Consumer complaint received 2023-01-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (TN)

I have been paying on my car since last XX/XX/XXXX and my balance has not went down at all. I even put XXXX down. I get out my paperwork and notice the add on charges. There were XXXX paid to the car lot. I dont remember any of this. I am no XXXX I was sat down and rushed through signing a mountain of papers. No one could digest that much information in that amount of time. I am XXXX and raising my granddaughter with no extra help. We desperately needed a car because we live out in a rural area and needed transportation. We lived off my XXXX of XXXX month. That paid rent, groceries utilities XXXX car payment and XXXX insurance. I feel I was exploited and set up for failure. I was told my credit score was a XXXX. I even went to another dealership and was denied the loan there.it was very easy to get the loan thru Credit acceptance. My credit score was not XXXX either. The interest rate as best I can calculate is like XXXX XXXX. They paid that dealership XXXX to sell me that car. I dont remember ever being told about the extended warranty and the XXXX to the dealership has no explanation
Consumer complaint received 2023-07-10
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 account below has violated my privacy and confidentiality under 15 USC 1681. 

ACCOUNT NAME AND # XXXX XXXX XXXX  Has violated my rights. 

15 USC 1681 SECTION 602 A. States i have a right to privacy.

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

15 USC 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 b more than seven years. 

In accordance with the FAIR CREDIT REPORTING ACT LAW the XXXX XXXX account needs to be removed ASAP.
Consumer complaint received 2023-07-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-01-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I sent in a letter explain errors on my credit report over 30 days ago. I seen a whole bunch of errors and marks on my report that I was un aware of. Especially marks on my report when i was incarcerated. I need to this incorrect infor off my report this is affecting my ability to grow since i have been home
Consumer complaint received 2023-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (NY)

A few years ago my wife and co-borrower died. After a long exhausting battle with her illness and funeral expenses, I was unable to maintain our current household bills alone. In addition, I had the responsibility of caring for extended family members. There was a reduction in my once dual income household and a rapid increase in expenses. On top of that, my property was suffering from major repairs that I was unable to fix because I was using my income to maintain the bare living essentials, like heating oil. Shortly, after all of this began, I was faced with even more mounting problems by a loss of income from the pandemic. I am a XXXX XXXX XXXX and with schools closed, I was put out of work. I had to go on unemployment and got seriously behind on all my bills. Foreclosure actions commenced with my first lender. I was a widower and I wanted to liquidate the property and move on and not continue to fight in court. I was granted relief by the judge to settle in good faith. Ive attempted to apply for loss mitigation with my first lender, Selene. To settle with my second lienholder, I asked Selene to take a modest reduction of ~2 % to their total balance. But before considering my application they are demanding the identities of 3rd party buyers, by requesting everyones IDs. My agent explained that IDs are exchanged between attorneys at a closing but never during the purchasing/negotiating phase and that this type of demand can be seen as highly discriminatory and prejudice. 

Selene has refused to consider my previous application that asked them to stop the foreclosure and settle for an extremely fair reduction of ~2 % so the second lienholder, that has a larger balance and is taking a larger reduction, can also be fairly negotiated. Now they are focused and concerned about the buyers personal driver license and identities, all of which are not a party to my loan. All other legitimate documents about the buyers have been supplied including NYS certificate of good standing, corporation documents/articles and proof of funds. 

It appears to me that Selene is finding ways to deny me the opportunity to relieve myself of this home and burden. This complaint is to put the CFPB on notice of how SELENE does NOT work with homeowners who attempt to pay them back in good faith but practices discriminatory behavior to deny loss mitigation.
Consumer complaint received 2023-07-25
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. (CA)

Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed during this time in pandemic. This is not only effecting myself, but my children and family as well.
Consumer complaint received 2019-12-06
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: General Motors Financial Company, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below: XX/XX/2018XX/XX/2018I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2022-09-11
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX  XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX XXXX XXXX XXXX XXXX : Experian : XXXX : XXXX
Consumer complaint received 2022-11-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CURO Intermediate Holdings (NV)

Some accounts in department of collection reflect amount that I have to pay for. 
AD ASTRA RECOVERY SERV Reflecting {$240.00} of debit ..date opened XX/XX/XXXX, XXXX should close and delete this account. 
XXXX XXXX XXXX reflecting {$600.00} of debit ..date opened XX/XX/XXXX, XXXXyou should close and delete this account. 
THE XXXX XXXX reflecting {$690.00} of debit ..date opened XXXXyou should close and delete this account.
Consumer complaint received 2017-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (VA)

In XX/XX/XXXX I made a mistake in taking this loan of XXXX  XXXX.I was aware of a steep finance charge of about {$120.00}. The Truth in lending disclosure was not visible at the time I was applying for the loanXXXXXXXX XXXX XXXX XXXX XXXX Big Picture Loans.com are predatory lender engaged in illegal business practices. 
In XX/XX/XXXX XXXX District Judge XXXX XXXX XXXX ruled that the FTC Act " grants the FTC authority to regulate arms of XXXX tribes. their employees and their contractors. '' Specifically regarding deceptive payday lenders hiding behind a tribal affiliation. 
I had not been notified of a 697.0822 % interest rate I was aware of a finance charge It was not totaled in the payments how high the entire loan would be. 
I was unable to view the " Truth in Lending " disclosure until after the loan was had been processed and the funds delivered to my bank account. 
This is Illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Big Picture Loans.com are not immune to the laws of the federal government. Interest paid to date {$1100.00} priciple balance to date {$180.00} regular payment amount {$160.00}.
Consumer complaint received 2023-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked XXXX how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like XXXX XXXX. I will not accept another reinvestigation of the information Only deletion of the information. Also they are reporting incorrect addresses as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not my address