davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-18
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

I recently returned my XXXX XXXX leased truck and leased a XXXX XXXX leased truck. I did not receive my first bill so I called them XX/XX/XXXX and was told they won't take the payment on the phone but will send me another bill. On XX/XX/XXXX I received the bill and immediately paid it via my bill pay on my checking account for {$710.00}. This covered XXXX and XX/XX/XXXX. On XX/XX/XXXX, Nissan repossessed the truck stating they did not get the payment. I learned today it was applied incorrectly to my closed XXXX XXXX account and their system was not able to transfer the monies to the XXXX XXXX account. I now have no vehicle and they want {$1600.00} before releasing it from the towing company. This was a clerical error and I have been a loyal customer for over 10 years. 
My account number is XXXX. I can be reached at XXXX. Any guidance or direction you can provide would be greatly appreciated. 
Thank you, XXXX XXXX
Consumer complaint received 2021-06-18
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. (PA)

XXXX, XXXX and Transunion. I have submitted dispute letters however they haven't changed anything and it has been more than 30 days
Consumer complaint received 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

I refinanced for a lower interest rate with Quicken Loans and have asked to have paper statements mailed to me and they refuse to mail them out before the XXXX of each month. My mortgage payment is due on the first of the month and I usually dont receive it till almost the last day of the month, so by the time I mail my check and they receive it I am running into the that 2 week grace period. I have asked several times if my statement can be mailed out sooner and they always adamantly refuse. I left for vacation on XX/XX/XXXX and had still not received XXXX statement. I called to make a credit card payment over the phone and they refused it. I was forced to give them my personal banking information in order to make a payment so I wouldnt have a late payment. I feel like that is wrong. I feel I shouldnt have to do that nor should I have to go thru the stress every month waiting on my statement which doesnt come until almost the end of every month so Im constantly in that 2 week grace period wondering if they have received my check. Ive had several different mortgage companies over the years and have never had any issues on receiving my statements in a timely fashion. I dont feel asking for my statement to be mailed to me sooner so I can make my payment on time ( not in the 2 week grace period ) is not an unreasonable request. I would appreciate any help from you in resolving this matter. I have since returned from vacation on XX/XX/XXXX and have still not received XXXX statement.
Consumer complaint received 2021-06-17
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. (MS)

I have been trying to contact Transunion for 2 weeks about 3 fraudulent inquiries on my credit report. I have contacted the creditors and have advise them to block the applications attached to the inquiries. I have also requested a fraud alert on my credit report. However, even after submitting my FTC report to transunion, I was advised that the information is not enough to remove the inquiries.
Consumer complaint received 2021-06-17
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: Experian Information Solutions Inc. (IL)

I submitted an initial dispute To Experian on XX/XX/XXXX of 2021 in which the results came back stating that the dispute was investigated and confirmed as accurate. No proper steps were taken to validate the items reporting on my credit report and when I asked them what they did to validate the debt, they told me I would have to wait until I received the results via mail. I received the results 30 days later and there was nothing stating how they confirmed the items. I submitted another dispute on XX/XX/XXXX of 2021 and was told the same thing as the results came back in the mail. I then opened another dispute with a fraud affidavit, copy of my drivers license, and copy of my social security card on the XXXX of XX/XX/2021. Pursuant to 605B of the fair credit reporting act, Experian has 4 days to investigate and block fraudulent information on my report. I called Experian today, XX/XX/2021 at XXXX CST and the initial recording asked was I calling about an open dispute. I said yes, was transferred to one department where the woman said shed transfer me to the correct department, that next department said I needed to speak with fraud and theyd transfer me. I finally get to the fraud department. I explain to him the process and he began telling me I needed to wait 30 days for the dispute to clear which is incorrect when it involves fraud and they are committing individual actions ( violations ) by not following protocol according to FTC. I explained to the representative this was incorrect and he said hed look into it. He put me on hold for 5 minutes and came back. The representative said my name and then hung up on me. Now when I try to call back, the recording doesnt recognize I have an open dispute and wont put me through to a live person. Ive called 8 times today since I was hung up on. Each time, it asks for my social security number and after I enter it, it asks what I need help with. When I choose the fraud option, theres no option to speak with a representative. When I choose the freeze option, theres no option to speak with a live person. When I press 0, it says theres no option to speak with a representative at the moment. It also seems as if the disputes arent even open anymore since it doesnt recognize I have disputes open at the beginning of the call anymore as it did the first time I called! At this point, they are playing with my livelihood and Ive followed every step according to FTC and Experian isnt following protocol. Something has to be done! My process to purchase a home is on hold because they arent keeping me safe or following FEDERAL law! This is grounds for a lawsuit if this isnt corrected!!
Consumer complaint received 2022-04-18
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)

XXXX XXXX XXXX, account number : 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 2021-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC (TX)

Contract Callers, Inc. reported a {$760.00} amount collection to Credit Bureaus for City of XXXX that I have not done any business with. They have been reporting it to Credit Bureaus since XXXX XXXX and I found out later about it when my 2 XXXX XXXX cards, 1 XXXX Card were closed due to collection during COVID-19 Pandemic and later my loan requests were denied. 

I contacted Contract Callers, Inc. several times but they were not able to locate this account in their system. I provided them my Social Security Number, Phone Number, Address and whatever they asked to search the record but they were still not able to locate any record. I asked them how did they report to Credit Bureaus if they were not able to locate any records but they were not able to answer and insisted that they did not have any accounts to report under my social security, phone or address. This has caused severe financial hardship on me. 

During my last conversation with Contract Callers, Inc. on XX/XX/XXXX ; they couldn't locate any records and refused to take care of it. FOR RECORD, I DID RECORD THE ENTIRE CONVERSATION.
Consumer complaint received 2021-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.
Consumer complaint received 2021-06-18
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. (MS)

XXXX, XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Consumer complaint received 2023-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (DE)

All three credit bureau I have sent letters I even filled out a report here I have not gotten any emails or replies from this company XXXX and I asked that you guys please challenge all 3 credit bureaus which u have not my credit is affected by inaccurate information and this is almost the tenth time Ive filed out this report to get this company to help and only one bureau has been contacted by cfpband Im highly up set because I have not been notified of any charges in my consumer complaint and I will have to take a different approach if this is not resolved I have a XXXX credit score and can not obtain a simple credit card and someone and something is wrong with that I need answers because this is not right or legal
Consumer complaint received 2021-06-18
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. (PA)

I am writing because I wrote the 3 Bureaus over 2 months ago and still have not received any update on my complaints with the fraudulent late payments that they have put on my account. The one company XXXX is known for putting late payments on customers accounts even when they paid on time. I never even authorized any furnishers to report any of my information which is a violation in itself and its been over 2 months with no update which is also a violation of getting back to me in a reasonable amount of time. I would like these accounts updated to paid as agreed because I never been late on any payments. If not I will have to seek litigation because they are putting in fraudulent claims and messing up my credit.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-22
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. (GA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$720.00} XXXX XXXX  XX/XX/2023 XXXX  XX/XX/2023
Consumer complaint received 2021-06-18
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: Santander Consumer USA Holdings Inc. (NY)

these accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft CHRYSLERCAP Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/2020 This is not mine.
Consumer complaint received 2021-06-18
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)

I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. 
No contracts exist ... Account was settled with creditor, ( no valid claims ) I want it removed. False information is being reported. Debt can not be collected twice.It was removed and re-inserted without notification which is requires by law, violation of FCRA law. 
I challenge the accuracy, compliance and reportability of this listing.F.C.R.A. violation. re-inserted without notifing me.Remove or litigation will followsettled all accounts with original creditor. 
XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$360.00} As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
XXXX Accounts below Derogatory Information 1 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX Derogatory Information 2 Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Derogatory Information XXXX  Account XXXX Date Reported XX/XX/XXXX Creditor Name XXXX XXXX, has violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-06-18
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: Experian Information Solutions Inc. (CA)

There is XXXXne account and one inquiry on my credit report that is not mine I have sent letters to the bureaus as well as the furnisher reagrdign this and nothing is being done for this I need help please. 

XXXX XXXX - Account XXXX Date opened XX/XX/XXXX Amt {$0.00} Inquiry XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2021-06-18
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: Shellpoint Partners, LLC (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-06-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC. (CA)

This all began in XX/XX/2020. My mortgage company Homebrigde took two payments ( XXXX ) from my account and when i informed that they took t wo payments from my account they agreed to send one of the payments back. I spoke with them on many occations and no funds returned until XX/XX/XXXX. Prior to them taken the two payments they sent me a letter that my payments will be going up by XXXX as of XX/XX/XXXX which brought my payments to XXXX. I attempted to contact homebriged XXXX, XXXX XXXX, XXXX when i paid my payment in XXXX the person on the phone states the I attampere paid XXXX in XXXX and when I went to pay in XXXX the customer services person stated that I only needed to pay XXXX I explained that I paid XXXX last month he insisted that I paid XXXX he stated that I only needed XXXX i gave him that amount and it was reported that I made partial payment. They still had not returned the XXXX they took in XX/XX/2020. XXXX i got my bank involved and homebridge sent me a check for XXXX. I still had not gotten a explanation for the raise in house payments in XXXX, Now in XXXX I spoke with a customer services and the issues seem to have been resolved he states that a supervisor will call me and financialize mistake and would correct my credit report regarding my house payments. NOTE : I have never missed a house payment since i have been with Homebridge XXXX my amount on my invoice was going up to like XXXX dollars and no one would give me a reason why I put in at least 20 request to speak to a supervisor and was never contact by a supervisor so I paid XXXX for the months of XXXX, XXXX, XXXX, XXXX Now come XXXX and my invoice states that i owe XXXX dollars and im behind in payments XXXX the XXXX I agreed to pay them XXXX to resolved the issues. I paid XXXX on XXXX the XXXX and they sold my mortgage to XXXX and I and scheduled to pay them starting XXXX now my payments XXXXmonthly my credit is bad due to there mistake