davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-21
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)

On XXXX  I submitted dispute letters to TransUnion, XXXX, and XXXX for the accounts XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  All three bureaus came back stating that all the accounts were updated and verified. On XX/XX/ I submitted a method of verification letter asking them to provide me with proof that these items were verified and if they were unable to provide that information that I would like the items deleted immediately. All that each bureau sent was an itemized breakdown which is not proof of verification. Reporting these inaccuracies are hindering me from getting employed. Please assist me as soon as possible. Thank you.
Consumer complaint received 2023-06-07
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. (AR)

This is account does not belong to me, I have no knowledge of this account Account name and number : XXXX XXXX : # XXXX 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 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 instruction 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 2023-01-10
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: HYUNDAI CAPITAL AMERICA (CA)

An unapproved credit check/inquiry was accidently made by an employee at a Kia dealership on XX/XX/22 but Manager has neglected to respond to any calls or emails made. Very little response was made during the beginning until I completely stopped getting any kind of responses from XXXX the Manager; but when trying to resolve what seemed to be an easy request of a Statement has been drawn out for almost a year now. 

I still have proven dates of when phone calls where made, what was said in them. As well as any following emails I have sent to XXXX. 

XXXX XXXX Kia Dealership XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX - Managers Email XXXX XXXX - Associates Name
Consumer complaint received 2023-03-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

in 2022 because of my economic situation I applied to forbearence at the end of the forbearence they gave me two option " paid in full amount I owe " or " recalculation of my debt '' I agreed to pay full amount of {$10000.00} after that the mortgage company said I have still negative balance in my escrow because my property tax increased ( because I got pace program window installation ) but that difference is around roughly {$2700.00} compare than last year property tax, because of negative balance they said they need to cover this negative balance and future year negative balance thats why instead ( - {$2700.00} ) they said my new negative balance is around ( - {$6000.00} ) and I agreed to reflection to my monthly payment after this adjusment my monthly payment went up to from {$1600.00} to {$2500.00} after I made 2 payments called them and asked if I make adiitonal escrow payment what will happen, as of today representative said I still have negative - {$6000.00} escrow shortage and because I dont have {$3000.00} in my escrow for XXXX and XXXX based on florida law my new balance is- {$1400.00} so at the conclusion I have previous year shortage amount of - {$6000.00} ( said covers previous and following year ) and current year shortage - {$1400.00} in my escrow, I dont believe I have shortage the maximum amount I may have - {$2700.00} after XXXX and I made my payments if there is a remainig balance its spoused to be between $ XXXX {$2000.00}, I want to dispute their calculation or need help to recalculate, when I call them they only said have shortage
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

In the month of   XXXX , COM ENITY BANK/VICTORIASECRET reported that I was 30 days late on a monthly payment. I never received a statement from the merchant. They admitted to their mistake and I made a full payment immediately, once I was made aware of the past due balance, they even removed the late fee.
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CMRE Financial Services, Inc. (CA)

XXXX sent my account XXXX to collections for {$1300.00} on XXXX XXXX. I disputed this account in XX/XX/XXXX XXXX XXXX, who also confirmed with me on XX/XX/XXXX, that this account was disputed and should have not been sent to collections. I decide to pay {$1400.00} for collection as i did not want this to affect my credit. I called XXXX XX/XX/XXXX to see why my credit report has not been updated, XXXX stated they have not receive any information that my account was paid in full. XXXX lied and said they did XX/XX/XXXX, that clearly didn't take place. 

XXXX TO SENT ME THE INFO I REQUESTED IN XX/XX/XXXX. 
XXXX FAILED TO SEND ME NOTICE PAID IN FULL CMRE- FAILED TO SEND REQUEST TO CREDIT BUREAUS TO HAVE ACCOUNT REMOVED
Consumer complaint received 2018-03-06
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. (CA)

I have wrote a letter to Transunion, in regards to inquiries on my credit report that. I did not authorized so they would not remove them so I call in on XXXX XXXX Representative name XXXX would not help take care of the unauthorized inquiries that being report I call back to day and take with XXXX, the rep. She said that she can not dispute or remove them I have to Waite 2years and they will drop off I explain to her that I didn't authorize them .can you help me get these inquiries off my credit report.
Consumer complaint received 2024-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (FL)

Subject : Dispute of Debt Collection Account, Reference No : XXXX I have attempted to dispute the validity of the debt you claim I owe, which is referenced above. According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692ce, I am requesting validation of this debt.

I dispute the following aspects of the debt : Accuracy of Information : I have no record of owing any debt to the creditor as stated in your collection notice. Therefore, I request detailed information about the origin and nature of this debt, including the original creditor 's name and contact information, the original account number, the dates of the alleged debt, and a breakdown of any fees or interest charges applied. 

Verification of Debt : Under the FDCPA, I am entitled to verification of this debt. Please provide documentation that substantiates your claim, including copies of the original agreement with the creditor, any contracts or invoices, a complete payment history, and proof of ownership and legally allowed to collect on this debt in my state.

Cease Communication Request : As provided by 15 USC 1692ce, I am formally requesting that you cease all communication with me regarding this debt, except as allowed by law, until you have provided the requested validation. Further communication in violation of this provision will be considered harassment and a violation of federal law.

Please note that failure to provide the requested validation within 30 days has resulted in a formal complaint being filed with the Consumer Financial Protection Bureau.
Consumer complaint received 2023-06-07
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$33000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX {$12.00} XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (CT)

I applied for a card via Credit Karma through their approval guarantee, application was submitted to XXXX, denied, reasons include a prior personal loan account since charged off ... A case was opened with XXXX XXXX, case ID # XXXX. I've been emailing back and forth with their rep ( s ), a copy of reverse action email sent to them numerous times .... Their reply indicates they can not see full document and or experiencing trouble viewing it, do not have the email ( s ) available to refer back to... I've since sent screen shots of email to them, have not heard back in re... I suspect Credit Karma is attempting to deny their guarantee by claiming they are unable to view email or something in email voids guarantee... The FTC has gone after Credit Karma regarding their pre- approved claims pertaining to credit cards, it appears their credit guarantee. falls into same category.. I have copied article from FTC site here : https : XXXX. 

I've attached again screen shots of reverse action notice from XXXX, no reply in re to this from Credit Karma..
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MS)

My disputes are with XXXX predatory collection companies. 

Portfolio Recovery XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX  XXXX XXXX XXXX XXXX, KY XXXX Portfolio Recovery is reporting XXXX accounts ( {$2900.00}, {$2500.00}, {$1200.00}, {$3000.00}, {$1000.00} and {$4500.00} ) XXXX XXXX XXXX is reporting XXXX accounts ( {$2000.00}, {$2200.00} and {$970.00} ) XXXX XXXX XXXX is reporting XXXX account for {$1500.00} Lastly, XXXX XXXX  is reporting XXXX account for {$970.00}. 

Each one of these Collections companies has violated FCRA 609 ( a ) by failing to provide me with FULL and COMPLETE files on all listed collection amounts. Furthermore, after being denied this information, and per my request to cease and desist they violated FCRA 605 ( b ).

Each and every one of these companies have also violated 15 USC 1681 by violation of my Rights to privacy as well as reporting misinformation.
Consumer complaint received 2023-01-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Unisa, Inc (TN)

They are refusing me my official transcripts stating that i owe money that i believe i do not owe and the XXXX XXXX XXXX XXXX XXXX passed a law on XXXX XXXX stating a school can not hold official transcripts as a way of making a student pay a bill owed to a school institute that it is seemed abusive and keep a student from being able to get a job in the future because jobs usually require a transcript. And also regarding the balance i was awarded a XXXX dollar scholarship once i had started the program and received a phone call from XXXX XXXX stating i would no longer have to pay. I had made XXXX payments adding up {$92.00} which left a balance of XXXX. Beginning balance was XXXX. If i was awarded XXXX scholarship and you take away the XXXX i had already paid and the XXXX that was left over that leaves and extra XXXX that should've came back to me however the school stated they do not give refunds on money left that it will be applied to future terms. Then soon as the future term came up the money disappeared and i have made many calls to the school disputing it and they say they would look into and never did. I called repeatedly and after a full year of me disputing the balance no one ever got back with me until i started asking for my transcript. I was also called by a man i don't know if he was from the company that services their private loans or a man female the school that called me in XXXX of XXXX stating that i would not have to pay the remaining balance because my house was crushed during the tornado that came through at the time. I've even tried paying some of the balance and the state they wanted it in full before i could receive my official transcripts. Which i then was notified about the law passed by the CFPB stating schools could no longer hold official transcripts due to money owed and i let them know and they told me to have my lawyer call their CEO.
Consumer complaint received 2017-07-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of   XXXX   2014,   XXXX    2014 30 days past due as of  XXXX  2014 I 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.
Consumer complaint received 2023-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have contacted XXXX numerous times in ref to a membership I never signed up for and cant get canceled. I have attempted to file several disputes regarding issue. 

XXXX has been charging me XXXX a month since XXXX XXXX,2018 I am requesting immediate cancelation and refund of all monies received since XXXX XXXX 2018 I am preparing to take this matter to court if we are unable to come to a resolution.
Consumer complaint received 2023-10-13
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (FL)

I bought a XXXX  XXXX XXXX from XXXX XXXX  XXXX, in XXXX, FL. I never agreed to interest or a $ XXXX monthly payment, and I never agreed to financing through Chase Bank. I purchased the car on a XXXX  and they switched my signature and all my info over to a loan from Chase Bank, instead of XXXXXXXX XXXX XXXXXXXX Financing like they told me they were using at 0 % interest, and put my loan through to Chase Bank without my knowledge or permission that has interest on the loan. I tried to return the car within the 3 day period after buying it when I found out the car company lied to me about the terms and interest and who was going to finance the car for me. XXXX XXXX XXXX and Chase Bank Corporate both received complaints from me via telephone demanding they either comply with what I agreed to or take the car back. They both refused and told me that because my signature was on the paper, they didn't have to do anything. I confronted the salesman and the manager at XXXX XXXX  XXXX demanding they fix it or take the car back. They told me the salesman tried to put it through XXXX XXXX  XXXX XXXX at 0 % interest like I agreed to, but it wouldn't go through, so he put it through to Chase Bank without my knowledge and it included interest and a higher payment. They said because he used my signature the only thing that mattered was that my signature was on it, so they didn't have to do anything. I told them I don't want to pay interest because of my religious beliefs, XXXX - while I was in the store on Sunday buying the car. They also later told me that since he did the paperwork on XXXX, the computer didn't catch it, so it went through. When I went to the XXXX, they told me that XXXX XXXX  XXXX submitted paperwork to them that said I was only LEASING the car and I was leasing it through XXXX XXXX XXXX XXXX and when I " was done making the leasing payments they would give me the title to the car ''. The XXXX employee at the Tax Collector 's Office turned the computer around and showed me where it said XXXX XXXX  XXXX Financing. When I confronted the dealership they said they didn't have time to fix the records they submitted for the car.
Consumer complaint received 2023-05-16
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)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2023-01-10
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. (IL)

RXXXX 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 to whom this may concern, Your company said I allegedly owe you money I will " PAY '' under one condition if you can provide 1. Validation of the debt-that is, the actual accounting 2. Verification of a signed Invoice. 
3. A copy of the Contract binding both parties ( you and them ), in a letter by " certified mail ' so that there is an independent " witness to it having been delivered. '' Kind Regards
Consumer complaint received 2017-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

Names and addresses that are not mine and or 1stincorrect on Experian are as follows ; Names ;   XXXX   XXXX  - Never used this name ID #  XXXX    XXXX   XXXX  - Never used this name ID #   XXXX    Addresses ; *  XXXX   XXXX   XXXX    XXXX  Ca   XXXX   Multi family ID #  XXXX  *  XXXX   XXXX   XXXX     XXXX   Single family ID #   XXXX    *  XXXX   XXXX   XXXX   XXXX    XXXX  Ca  XXXX  Multi family ID #  XXXX  *  XXXX   XXXX   XXXX    XXXX  Il   XXXX   XXXX   Single family ID #   XXXX   1  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX  Il .  XXXX  single family ID #  XXXX
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (TX)

XXXX XXXX XXXX. 

I placed two complaints - see CFPB complaint # XXXX and # XXXX. 

This was debt was removed from my XXXX credit report - and has not been removed from my XXXX Credit report. I'd like it removed immediately. Thanks in advance!
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you DELETE the listed inquiries immediately. 
XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX  XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022