davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to formally dispute the bankruptcy listed on my credit report. After reviewing my credit report, I have noticed that there is a bankruptcy filing reported under my name. However, I assure you that this information is inaccurate, and I request its immediate removal from my credit report. Bankruptcy XXXX  XXXX
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

XXXX XXXXXXXX Account # 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 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (NC)

On XX/XX/XXXX I reached out to BMW advising of a hardship due to COVID-19 Pandemic and needed a deferred payment to allow me to stay on track and continue to make payments on time. Through the whole process I stayed in constant contact with BMW letting them know i would do my very best to become current. BMW said its no problem we will help you out during the pandemic as long as you " stay in contact and continue making a best effort to pay the loan. '' which i did. i was able to pay the loan balance down and with further conversations they stated if i was able to sell/pay the entire loan balance they would change payment history to reflect XXXX missed payments. on XX/XX/XXXX i sold the car and paid the entire balance in full. i was again told that's great we will " take care of that on our end '' however now on XX/XX/XXXX i am still reflecting late payments which are hurting my credit report almost beyond repair. Knowing how this turned out i wish i never sold the car considering it didn't change anything and i was being as genuine, Honest, and upfront the entire time.
Consumer complaint received 2017-08-28
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. (WI)

I had a credit with XXXX. The continue to report the status of the account as 60 days past due to 2 of the credit bureaus. This makes an account that is closed and paid in full report as an active delinquent account. they failed to report payments made after a missed payment which would have taken the account back to current status with the credit bureaus. They knowingly are doing this to keep this account delinquent seeing I closed the account after issues with their system accuracy. The account was never 60 days past due
Consumer complaint received 2018-01-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On XX/XX/2017 I bought a BRAND NEW XXXX XXXX from XXXX of XXXX for {$36000.00}. The Bill of Sale said the truck was " New '' and had VIN # XXXX. 

I put 10 % down in cash and financed the remainder of this truck with Toyota Financial Services. 

However, XXXX of XXXX did not provide me the truck on my Bill of Sale. They actually provided with a used and defective truck -- with over $ XXXX in body work and a complete engine replacement -- with the VIN # XXXX. 

Over the course of the next 79 days XXXX of XXXX attempted to keep me in the dark all the while knowing that they had given me the wrong truck. Instead of trying to fix the problem by giving me the truck listed on my Bill of Sale, they attempted to do a " title swap '' which would have stuck me with the pre-owned and defective truck and not the truck I had purchased on paper. 

XXXX of XXXX went to great lengths to keep me in the dark about the fact that they had actually given me a used and defective truck ( see attached complaint ). Nearly three ( 3 ) months later I received the correct truck but neither XXXX of XXXX nor Toyota Financial Services has helped me correct the financial situation. 

Specifically, I should not be responsible for the car and insurance payments for the 79 days where I did not even possess the new truck as a result of their intent to defraud me. Additionally, the XXXX XXXX XXXX depreciated greatly over the course of those 79 days leading up to XXXX ( by {$6300.00} according to XXXX XXXX XXXX XXXX XXXX ) so the final purchase price would need to be adjusted for depreciation. 

A full and complete complaint, with exhibits, is attached.
Consumer complaint received 2021-08-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

This company calls me nearly every day, requesting my personal information. Every time I answer, I ask them to communicate with me only in writing and to stop calling me. They refuse and continue to call and harass me though I have not received any communication from them in writing. They continue to ask me for my personal information such as my date of birth and physical address, which leads me to believe that they are attempting to scam me. They have called me 5 separate times over the past week and they continue to ignore my request for them to stop calling me and to communicate with me in writing via mail.
Consumer complaint received 2022-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (OK)

I have a secured credit card with Elan Financial Services. It is a XXXX card set up through my bank, BancFirst of XXXX Oklahoma. The prepaid amount is {$5000.00}. Every time I would make a payment they would draft it directly from my bank account, so they had the money instantly but they would hold it for 8 days and not apply it and charge me interest those 8 days for a balance I really no longer had. I would try to call customer service and they would bounce me around, put me on hold 10-12 times and then eventually hang up on me, so I cancelled the card and paid off my balance on XXXX/XXXX/2022. They are refusing to give my {$5000.00} dollars back. They say it is under review and they wont be done even reviewing it until mid May but yet the card is already cancelled. They are simply holding my money for no reason, the same way they did when I would make payments.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax furnished me with my credit report which included several inaccuracies and missing information. I initiated disputes, based on these inaccuracies. 

Equifax did not investigate my dispute requests. 

I want them to fix the following accounts : XXXX XXXX XXXX Account # XXXX : Delete because you did not update or correct the date of last of activity. 
XXXX XXXX Account XXXX : Delete because the date of last activity has not been updated or corrected XXXX XXXX XXXX XXXX  # XXXX : Delete for unknown collection XXXX XXXX XXXX  XXXX Account XXXX XXXX : Delete this account, because of inaccurate date of last payment ( XXXX ). Account was closed XXXX. 
XXXX  Account XXXX XXXX : Delete account, because the date of last activity is missing XXXX XXXX XXXX XXXX # XXXX : Delete account, because you are reporting a balance when there is none. 
XXXX Account # XXXX : Delete account, for missing date of last activity.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2022-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus XXXX and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on XXXX bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On Equifax it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?
Consumer complaint received 2022-04-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the attempt to fix my credit. I have had items removed and I also had items added to increase my score. I'm filling this dispute with you. Because my score is not being updated properly by the following bureaus TransUnion and XXXX. I have made arrangements for student loans to be removed from my credit and they are removed on one bureaus and not the others. I have also added lines of credit to my credit and again there only reporting on one bureau not the others. I have reached out to each individual bureau and they all have not been able to give me and answer for what's going on. On XXXX it shows all of the credit lines I have added to my credit. But it doesn't show the removal of the student loan and the other to site that don't show the lines I added but they show the removal of the student loans. I am very frustrated because I have put a lot of time and effort into trying to repair my credit and it seems to no avail. Can you please help me resolve this matter?
Consumer complaint received 2022-04-18
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION (DC)

In XX/XX/2015 someone opened a car loan with Credit Acceptance under my name. I have disputed this several times for all credit bureaus and through them. They only removed it from my XXXX and it was agreed to be removed from XXXX and XXXX as well years ago. This has caused my credit to go to XXXX! I never had a car, they dont even know where the car is and I never got this loan.
Consumer complaint received 2022-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC (MI)

I received a notice of property tax adjustment that adjusted my taxes lower from the amount that was quoted last year, XXXX. The property tax bill was $ XXXX dollars overall, but the company paid only {$2000.00}. This is because the company only paid half the summer tax payment that was due. The adjustment sent the tax bill lower because I am a owner-occupant that should've received a lower tax rate than the last homeowner, an LLC business. The city sent a tax adjustment letter showing the new tax bill of {$3000.00}, with {$1000.00} still owing, possibly reflecting interest charges. 

I am now severely short on my escrow account because the company recently sent me a check for {$1100.00} because they miscalculated my taxes. I worry I will be short again for XXXX taxes due this summer.
Consumer complaint received 2022-04-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Received a Hard Inquiry of my Credit when I have not applied for credit. It was on XX/XX/2022 from a XXXX XXXX XXXX. I have not applied for any credit and can't understand how a hard inquiry was completed.
Consumer complaint received 2022-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I received a letter from JP Morgan Chase that the bank would be closing my accounts for an undisclosed reason and that the decision was irreversible. I have not been able to get any information besides the fact that this was caused by either an investment account or a credit card account. I still have no information of what could trigger this from any of my accounts. I rarely use the CC and the investment account that was closed, funds were transferred to another investment account.
Consumer complaint received 2022-04-18
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: Experian Information Solutions Inc. (GA)

On XXXX XXXX, I disputed a XXXX XXXX XXXXXXXX fraudulent account on my credit report with EXPERIAN. 
I atttached an FTC report, police report, proof of my Identity and also a letter requesting that EXPERIAN remove and block this account due to fraud pursuant to FCRA 623 ( a ) ( 6 ). I sent a request for Method of verification pursuant to FCRA-611 XX/XX/2021 by certified mail with return receipt. EXPERIAN has failed to provide me with the information I have requested.EXPERIAN has continued to violate FCRA 623 ( a ) ( 6 ), FCRA 611, FCRA Section 605 B by not removing and blocking this fraudulent information.EXPERIAN has not provided me with any information to support leaving this fraudulent account on my credit report.
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (AL)

Multiple errors, inaccuracies, witho no validation, been over 30days 60dat etc The account of : Al child support..has violated my rights.. 
15 usc 1681 section 601 A.

15 usc 1681 section 604 A section2 15 usc 1681c ( a ) ( 5 ) 15 usc 1681-2 ( A ) ( 1 )
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Request for Correction of Inaccurate Credit Report Information I am writing to bring to your attention certain inaccuracies in my credit report that need immediate rectification. The following details on my report are currently incorrect : Corrected - XXXX XXXX XXXX Date of Birth : Corrected - XX/XX/ Address : Corrected - XXXX XXXX XXXX XXXX, MI XXXX I kindly request that you promptly update my credit report with the accurate information provided above. Any other discrepancies in my report should also be thoroughly reviewed and corrected as necessary. 

Your swift attention to this matter is greatly appreciated, as it is vital for me to have an accurate credit report for various financial transactions and opportunities. Please inform me of the progress and the anticipated timeline for these corrections. I can be reached at [ Your Contact Information ] for any further clarifications or updates. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (WI)

Equifax was informed of dispute with XXXX  credit card balance and was not resolved. I currently have open complaint about that company with the CFPB and I'm including proof of balance being XXXX... there was a glitch on the computer system for XXXX  and they reported an over limit balance of XXXX. 

Copy of this is being sent to XXXX
Consumer complaint received 2022-04-18
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: EQUIFAX, INC. (FL)

I received a completed investigation of a bankruptcy record on my consumer report in which I have asked Equifax to provide me with it's description of investigation in accordance with FCRA 611 ( a ) ( 7 ) .According to the letter received on XX/XX/22 confirmation # XXXX ( See Attached ) Equifax stated that the record was received from " XXXX XXXX ''. As of XX/XX/22, XXXX XXXX has certified that no record of a bankruptcy is present in my consumer file and they have provided me with an 80 page report in which I have reviewed thoroughly along with my attorney. Please see the attached letter ( Case # XXXX ) .Equifax has violated the FCRA law and therefore must remove this record from my consumer report. Equifax has failed to provide proof of the completeness and accuracy of this disputed record and therefore this record must be deleted as required by law.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WI)

XXXX reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all 3 bureaus several weeks ago and XXXX didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.
Consumer complaint received 2022-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

XXXX  reported XXXX balance and as over the limit. There was an issue with their computer showing an incorrect balance due that was fixed later that same day. My balance is XXXX. 

I have filed disputes with all XXXX bureaus several weeks ago and XXXX  didn't respond to them. I have called milestone numerous times and they don't want to fix the error until next month. 

Attached is proof of my balance being XXXX.
Consumer complaint received 2022-03-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (NY)

Im having a huge issue with Santander Consumer, they reporting to the credit bureau that my loan is not paid in full. They charging fees huge fees for me paying this loan off XXXX. XXXX time and I believe XXXX dollars in the month of XX/XX/2022 I disputed them numerous occasions evertime I dispute them. They update with me owing more. I have receipts proof and the bureau still have not changed anything.
Consumer complaint received 2021-03-11
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

This complaint is in conjunction with my first complaint. Please refer to complaint # XXXX so I wont have to retype the information. Synchrony sent correspondence earlier today stating that they did not see a pending transaction in the amount of {$2200.00}. The pending charge is showing on my online account statement dated XX/XX/2020. A copy of that document is attached to this email. The Synchrony letter included a phone number to call if I had questions. I called the number and it was for a Synchrony Ashley account, which I do not have. I am exhausted trying to communicate with this company to get the issue resolved. I spoke with XXXX XXXX XXXX who processed the transaction via my Synchrony account, and they stated that they do not have access to correct this.
Consumer complaint received 2023-07-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NC)

I was on a payment plan. I made the payments. The realtor said there was a buyer for the house. So I didn't make the next payment. The buyer back out so that left me behind on the payment plan. 
I asked to be put back on the payment plan. They said no. I need to complete a loan modification. I'm not needing a loan modification I need to be reinstated to my payment plan. I am able to pay according to the payment plan.
Consumer complaint received 2022-03-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (DE)

I have tried contacting title max in XXXX Delaware and they are nasty people!! I wasnt even a month late on my payment they called and XXXX me telling me my car was on the look out for their third party towing company this company needs to be shut down! They arent willing to work with me for a payment plan! The interest rates are out of control! Im not getting into detail not knowing if Ill ever be contacted!!! I also want my payments on hold UNTIL THIS IS RESOLVED WHICH MEANS THEY CANT COME TAKE MY CAR