davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

i called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XX/XX/XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XX/XX/XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XX/XX/XXXX account of my reports.they made me call XX/XX/XXXX ( XX/XX/XXXX) i called the about the issue and they told me there was a balance for XX/XX/XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/XXXX.
Consumer complaint received 2023-07-04
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 was informed when i call you guys that this dispute i sent previously was rejected. so i am resending my letter and please review and read the letter i sent and i have attached the FTC that you have requested
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (MO)

I received a XXXX dollar loan making XXXX dollar payments and the balance goes nowhere but higher they expect me to pay 102 % interest XXXX dollars for XXXX total redicluos and should be against the law I can't afford that kind of money how many other people are they XXXX  over
Consumer complaint received 2022-12-30
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. (NY)

This is my next endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance : {$110.00}
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Credit Control (CA)

This company is reporting that I owe {$3300.00} monthly. I applied for credit and they informed me this company is reporting that I owe them a monthly payment amount of {$3300.00}. That is entirely too high of an amount to owe a company monthly. They are reporting this account as a revolving account which is inaccurate. They are also reporting an inaccurate amount due.
Consumer complaint received 2021-01-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NJ)

On XX/XX/2020 I received a phone call from Credence Resource Management inquiring about an XXXX XXXX XXXX debt owed in the state of Texas. Given the fact that I do not have nor have I ever had any connections whatsoever with anyone or anything in the state of Texas nor any dealings with XXXX XXXX XXXX, I informed Credence Resource Management accordingly. As of XX/XX/2020, Credence Resource Management is reporting this debt and its associated address as owned by me on my XXXX and XXXX XXXX credit reports. As of the date of this filing, I have not received any correspondence from Credence Resource Management informing me of this alleged debt or of my right to dispute it under the FDCPA. On XX/XX/2020 I disputed the address listed in Texas with XXXX, as a response I was informed my dispute had been verified by Credence Resource Management as valid. Likewise, on the same date, I disputed the alleged debt with Credence Resource Management directly to which I have not yet received a reply.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not give my consent for my private info to be reported on my credit report XXXX of XXXX XXXX {$610.00} I never had a agreement or a account with this fraudulent company.
Consumer complaint received 2024-03-25
Product: Credit reporting 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. (IL)

I submitted an identity theft report with my name and social security card.and TransUnion wont remove the hard inquiries. I have called and submitted paper disputes. They are making hard for me to get a loan.
Consumer complaint received 2023-02-24
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (SC)

Hey I was calling checking in with the company I even started a new seasonal job to help cover my payments but they where extremely high. I dont even understand where high interest fees come from I feel they do it just so they have your automobile aint noway one day you owe one amount then the next day its an extra XXXX on the payment thats ridiculous. I feel its wrong & its really just too easy for them to get your property I got behind XXXX payment & after that I was grass I woke up to start my job one morning the vehicle was gone I been down every since because I dont get tax money at all that just crazy I feel like some should be done about title max places or they should at least give you money back if they take your car from you its sad.
Consumer complaint received 2022-11-15
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

TILA VIOLATIONS. FRAUD. XXXX XXXX. PLEASE SEE ATTACHED NOTICE REGARDING MULTIPLE VIOLATIONS BY XXXX, NISSAN MOTOR ACCEPTANCE COMPANY.
Consumer complaint received 2021-08-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC (WI)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2023-02-02
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. (FL)

To Whom It May Concern : I received a copy of my credit report and found the following item to be error. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2021-01-03
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: CORELOGIC INC (VA)

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, CREDCO add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (NH)

FIRST ISSUE W/AMEX. Complaint is against AMEX. I am having XXXX possibly related problems w/this company. This is the first. About XXXX or XXXX years ago, I cancelled all my AMEX cards. I think I had XXXX, but I know I had at least XXXX. XXXX I never used. Immediately prior to trying to cancel XXXX of the cards, I had received a bill from AMEX for {$95.00}, which was described as the annual fee. At that time, I called them, informing them I wanted to cancel the card and asked to have the {$95.00} fee waived. I also told them the fee was the reason I was cancelling. They refused to cancel the card until I paid the {$95.00}, claiming it had already been billed, which is true, but this was the first billing for the fee, and I no longer wanted to pay the fee or use the card. I called several times with the same result and eventually gave up. I did not pay the {$95.00} either. What I did do was cut up and throw away that card and my other AMEX cards, vowing to never deal w/the company again. There was no balance other than the {$95.00} fee owed, and all balances on all cards were current and fully paid ( and always were ). I have used NONE of the AMEX cards I had since then b/c A ) I was so annoyed w/the company, and B ) I destroyed my cards ( I can't even tell you the account numbers anymore ). As recently as XXXX XXXX, they apparently billed me for this {$95.00}. I assume they still are, but since I'm in the process of moving, I haven't received a more recent bill. Obviously, I don't want someone else in the future getting my account number on this card which AMEX refuses to close because I refuse to pay their revolving annual fee for a card I tried to cancel and have not used in that time. My SECOND problem w/AMEX may or may not be related. I will submit it as a separate issue as it is a bit strange.
Consumer complaint received 2021-01-04
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. (TX)

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my Experian, XXXX, and XXXX  report under the account named XXXX they have incorrect account numbers as well this should not be reporting XXXX this account was reported from XXXX it is XXXX. 

XXXX XXXX XXXX Experian Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I insist on the removal of this late payment from my account as it does not accurately reflect my payment history. I have consistently made on-time payments, and it is unjust to be penalized with this erroneous entry. I urge you to update my account without delay.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report, they are hurting my ability to obtain auto loans. 

XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-29
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. (PA)

My name is XXXX XXXX XXXX and I am writing this statement on my own behalf. I recently discovered that I am a victim of identity theft. The items listed on my report were opened fraudulently to obtain goods/services and I am requesting that they all be removed immediately. The accounts are listed in this report and attached to my statement. 

Accounts to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-02
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. (VA)

I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX Accounts listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-01-02
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (UT)

In XXXX I received a notice that my account was not current. I was confused because my bank showed that I had been charged ( through direct payment ) the {$450.00} that I had agreed on with the car dealership. I called the automated system and heard the date of my last payment and the date of my next scheduled payment. Since the system stated I did not have a payment due until the middle of the next month I believed that I received this letter as an error. 
I received another notice in XXXX, still feeling confused I called on XX/XX/2020 and spoke to a person by the name of XXXX. She informed me that the payment amount was {$450.00}. I told her that my agreement with the car dealership was for the payment amount of {$450.00}. She said she looked at the paperwork and did see that {$450.00} was the correct amount, she said she would change the amount to {$450.00} and remove the late fees. 
A couple of weeks later I received a letter stating that I had a late payment reported to the credit bureaus. I called and spoke with XXXX on XXXX and he explained that my payment had changed to {$450.00} due to an increase in taxes. Apparently, this change happened over a year ago and since my unpaid balance had reach over the {$15.00} dollar mark it was considered a late payment. I was never notified of this change and XXXX was also unable to explain this change in my account. I went ahead and paid the amount that was due. I explained my frustration to XXXX and asked that he have a manager look into the conversation that I had will XXXX and get back to me so I could see what I needed to do move forward. I never received a call back from anyone at USbank. This is when I filed a dispute report. USbank  denied my dispute to remove the mark from my credit. 

I am very disappointed with the way all of this has been handle. I always make my payments and I should not be penalized for USbanks inability to communicate. I was NEVER notified that my payment changed. When I called the automated system, it told me that I did not have a payment due. When I did talk to a live person, I was told that I had resolved the issue, and now my credit has been harmed. At the end of all of this I could not even get a manager to call me back!
Consumer complaint received 2021-01-04
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)

There is a collection that is onmy credit report that is [ ast the 7 years statute limitation of debt collection on my XXXX, Equifax, and XXXX  report under the account named XXXX they have incorrect account numbers as well this should not be reporting XXXX this account was reported from XXXX it is XXXX. 

XXXX  XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Equifax Account Number : XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-01-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MI)

In XX/XX/2020, I received a letter confirming that I do not have any property taxes due to me being a 100 % XXXX veteran, total and permanent. I submitted this documentation through email and I uploaded it to their online portal. I received a reply from Quicken Loans saying that my email address is not attached to my mortgage, which isnt true whatsoever. They in fact harass me almost daily through my email, to the point where I had to tell them if they didnt stop harassing me, I would be retaining legal counsel. They are liars and have no moral compass. 

After I inquired again his email, I was told that they will not provide any information to me. I had to send yet another email, and received the same thing. I sent another one, and finally I was told that it would take 3-5 business days to have my property taxes removed from my payment. They also said that I would receive a refund that I demanded within the same time frame. The refund I am referring to is what I paid for property taxes which is in escrow. This was on XX/XX/XXXX. 

It is now XX/XX/XXXX, and after repeated emails and phone calls, I have been left with no answers whatsoever. They hung up on me three times, have transferee me to different people, and I have spent hours upon hours trying to get my payment corrected and my money refunded. 

If this isnt resolved by XXXX, XX/XX/XXXX, I am retaining council and we will go through the court system. Obviously these people at Quicken Loans/Rocket Mortgage choose not to make this right. I am urging anyone and everyone I see to NOT get a mortgage through Rocket/Quicken. They have been unprofessional from the very beginning, rude, and incredibly unpleasant to work with. In fact, the only reason why I closed the loan was because I was so far into it that it would have been a mess to start with another company. I should have gone with another company.

I need my payment adjusted, my refund sent to me, and Quicken Loans/Rocket Mortgage needs to report my account and all of my payments, which have been on time, to the three credit reporting agencies. This has been a nightmare. My lawyer knows about this and is ready to file.
Consumer complaint received 2022-12-30
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. (TN)

I have filed an FTC complaint. Report # XXXX It's illegal to furnish income on a consumer report. A Charge-off, according to the IRS, is income and the company must file an 1099-C. 
PLEASE REMOVE ACCOUNTS BELOW DUE TO INACCURATE REPORTING Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX XXXX- charge off Account Number- XXXX {$860.00} Date reported - XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX CHARGE_OFF {$150.00} Date Reported-XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX CHARGE_OFF XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX CHARGE_OFF XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX Account XXXX {$520.00} Date XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Personal information XXXX XXXX XXXX XXXX XXXX XXXX Hard XXXX XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 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 XXXX XXXX XXXX
Consumer complaint received 2023-02-23
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: EQUIFAX, INC. (IL)

My Credentials Was Compromised & Used To Obtain Goods & Services I Requested Several Fraud Alerts & Security Freezes On My Report That Some How Was Taking Off or not added properly I Contacted The Creditors & they all say call credit Bureaus & Now Im Taking These Steps Of Filing Reports With Copies Of all documents I receive before getting attorneys involved I submitted not once but twice letters to the XXXX, equifax, XXXX address i have on file from XXXX & no reply This time i will be sending letters with tracking information to the same address Looking foward to your response