davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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 repor
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Consumer complaint received 2023-02-10
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. (GA)

I Have recently looked into my consumer reports and noticed private identifying information that i have not given permissions to be shared or furnished therefore according to consumer laws my rights to privacy have been severely violated. Also the furnishing of the information on those reports without my written permission further violates my federally protected rights and constitutes identity theft. According to15 U.S.C.1681b ( a ) ( 2 ) and 15 U.S.C.1681 ( a ) ( 4 ) please send me proof that i gave prior instructions in writing to furnish account # # # # # # 40 And i DEMAND the account be deleted until proof is shown. Furthermore, Pursuant to 15 U.S.C.1681 ( b ) reasonable procedures have not been followed to be fair and equitable to I, the Consumer.
Consumer complaint received 2022-09-02
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. (GA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2019-11-23
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (MI)

Ally Auto will not give me credit for a {$200.00} payment I made XX/XX/2019 for my XXXX  XXXX XXXX ( lease ). Their stance is, the request for payment got returned due to insufficient funds. That statement is a true statement ; however, on the same day, XX/XX/2019, my credit union, XXXX  XXXX XXXX XXXX paid them {$200.00} out my account for a scheduled online payment. This was the first of two transactions Ally Auto made on my account that day. My credit union has validated that there were two transactions made by Ally Auto on XX/XX/2019. One was successful, and one was not. I did not schedule for another transaction. That is why the second transaction did not go through. I have attached my bank statements that will reflect the two transactions. Again, one was a pay-out of {$200.00} and the other request was returned due to insufficient funds, which I was charged a {$31.00} overdraft fee.
Consumer complaint received 2023-02-19
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. (CA)

I disputed a few accounts numerous times on my credit report and I see the information is incorrect and it is still on my credit report the fair credit act XXXX account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a lemon as well XXXX XXXX As well as my bankruptcy were handled I asked them to remove it from my file my rights were violated 15 U.S.C 1681 section 602 A states I have a 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 with my written instructions
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I never made any late payment, the creditor acknowledges that, due to their internal bureaucracy they have not update their system to remove any late payment remarks,
Consumer complaint received 2019-09-12
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. (MT)

I have 2 complaints with Equifax, one is dated XX/XX/XXXX & the other is dated XX/XX/XXXX. 

XX/XX/XXXX CFPB case # XXXX the following is what I wrote in the complaint : I am a victim of Identity Theft and monitor my credit report regularly. I recently viewed my Equifax credit report and observed several concerns regarding the hard hit inquiries on my credit report. My 1st concern is that a hard hit inquiry is still reflected on my credit report that shouldn't be and that is XXXX/XXXX dated XX/XX/XXXX. The hard hit inquiry is over 2 years old and is required to be removed since it's more than 2 years old. My other concern are hard hit inquiries that I don't recall authorizing. Equifax - XX/XX/XXXX XXXX  XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX   XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX & XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XX/XX/XXXX CFPB Case # XXXX the following is what I wrote in the complaint : I recently viewed my credit report and see several hard hit inquiries that are required to be removed from my credit report. The inquiries are over 2 years ols. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX As of todays date EQUIFAX has not responded/answered & provide me the results of their investigation. Both complaints are over approximately 45 DAYS. As a result EQUIFAX is knowingly & willingly in violation of the Fair Credit Reporting Act & therefore I will file a lawsuit vs EQUIFAX in small claims court for {$5000.00} if I don't get confirmation from EQUIFAX ON OR BEFORE XX/XX/XXXX. 

The following inquiries need to be removed from my EQUIFAX Credit Report Immediately because they failed to provide me the results of their investigation with physical evidence & the name of the individual they spoke to and confirmed or unable to confirm that the hard hit inquiry was authorized and with permissible purpose by me.
Consumer complaint received 2019-12-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Richland Bureau of Credits Medical Service Bureau Inc. (TX)

I have never done business with these company and they are saying this is medical debit. I have never done business with these company and through XXXX laws no one can sell any of my medical debit under this law. This can not be my debt due to the fact that I have not done business with this company. I have not contacted this company due to this is not my debt and I have never done business with them. I do not want to speak with them and have them take my information and use that information against me. I will not speak with them.
Consumer complaint received 2019-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I tried to call Capitol One regarding a security codes sent to me. They would not put me through to anyone. They needed to know my age, which was unrelated to the issue and they would know it anyway. If I am over XXXX, I have to listen to advertising and be put on the spot for their services. If I refuse to answer, they will not allow me to correct fraudulent credit issues. They need to be shut down.
Consumer complaint received 2019-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (OH)

I purchased my home in XX/XX/XXXX, for XXXX, PMI should have come off at 80 % XXXX XXXX. I refinanced with Quicken Loans in XX/XX/XXXX balance of XXXX, no cash out, they did not do an appraisal, original purchase price is what they used when I refinanced, now they will not remove my PMI and the balance is XXXX. They say the original price they base it off of is XXXX, but still the online estimates all say my home is between XXXX and XXXX. How can they illegally change the value of my home so it looks good in their books.
Consumer complaint received 2016-05-05
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (NC)

Ally Financial is reporting to the credit bureaus that I owe them {$6600.00} based upon an account that I has with them over 7 years ago. I disputed that balance with the credit bureaus, but the credit bureaus told me that Ally Financial said they think the debt they are reporting is legitimate. I firmly believe that I have no outstanding balance owed to Ally. I have contacted Ally Financial for some time now, requesting that they supply me with a detailed explanation of the charges they are reporting, which constitutes the {$6600.00} balance they are reporting that I owe. They refuse to send that information to me. I believe it is completely unfair for them to continue to report I have an outstanding debt without supplying any sort of explanation of where this balance came from.
Consumer complaint received 2016-09-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I mailed a dispute to Transunion dated XX/XX/2016. Since that time I was under the impression that my disputes were being investigated but I received a letter from Transuion a few days ago dated XX/XX/2016 informing me that they needed proof of identification when I sent in with my dispute.
Consumer complaint received 2019-11-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (IL)

I received another letter from Loancare on XX/XX/2019 that my mortgage was two months past due for a total amount of {$1300.00}. However, I have made all payments on time and have cancelled checks to prove it. This has happened 8 times in the past only for them to locate the on-time payments and cancelled checks. With this repeatedly happening, it feels even more like harassment. I simply want to be treated accurately and fairly. 

Attached are copies of the XXXX and XXXX cashed on-time mortgage payment checks along with their most recent letter obviously repeating the same error process within their company.
Consumer complaint received 2022-09-02
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

I have had Macy 's credit card for years. I used it occasionally and always paid full balance down if I get the statement in time or can access it online. 
It's extremely complicated to manage the account online. They have separate userid for Macy 's ( for online shopping ) vs store credit card vs store card with AmEx. 
They never send statements or payment reminders in time and mostly I got physical statement when I'm already past due and charged late fees and interests. Multiple occasions I ended up paying those extra fees and interests. 
Finally I was done with it as I closed my account over phone and paid outstanding balance one last time. 
Somehow they figured out a way to charge me additional fees or something. I have no idea what. But now I have a {$14.00} balance that 120 days due at credit bureaus! Only {$14.00}! 
I never received any communication about this {$14.00} ( no mail/ email/text/phone! ) For this my credit score has dropped by almost XXXX points! ( went to XXXX from XXXX! ) The reason I'm complaining to cfpb now instead of picking it up with Macy 's again I think their ambiguous practice may be hurting a lot more customers than just me.

I would expect cfpb to force them to take action in terms of cleaning up my credit history and take a hard look at their bad operational practices.

Also my shopping in Macy 's has reduced over last couple of years part of my annoyance with their credit card. I may never shop at Macy 's anymore and use others instead.
Consumer complaint received 2022-06-01
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I believe I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. I am not familiar with the list of accounts I am disputing and I believe that they do not relate to any transactions that I have made or authorized. Please investigate these items at the earliest possible time. Below are the fraudulent items that are still appearing on my report : XXXX Collection : XXXX Balance : {$2000.00} Inquiries : XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Collection XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX Balance : {$220.00} XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$150.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TRANSUNION Collection : XXXX Balance : {$2000.00} Inquiries : XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-12-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Windham Professionals, Inc. (SC)

My dispute is not with the medical bill that was owed/paid. It is with the not acceptable collection tactics used to attempt to collect a debt. When I received the original call from this company I specifically and verbally informed them to cease and desist all communication with me and to NOT contact me again. They continued to argue with me and told me they will continue to call me or put it in writing. Under the FDCPA when a consumer verbally tells a third party debt collector to cease and desist whether verbally or in writing they are to cease all collections on the account. The FDCPA does not state it must be in writing. Once this call was over I immediately called the original creditor to file a complaint against these clowns. I spoke to the manager of the billing department for XXXX XXXX XXXX. I expressed my concerns over the third party collection practices used to collect a debt. The collection manger apologized for their unprofessional tacky actions and I was assured they would pull my 2 accounts placed with them. The collection manager further assured me I would receive no more contact from this company. On Tuesday XX/XX/XXXX @ XXXX est I get a call from wyndham Professionals and their manager XXXX . When he first called me he said " hey XXXX he id self and company I had no idea who they were because it was awhile since I spoke to them, he then says I am calling you regarding a debt you have in my office and wanted to follow up with you per the conversation we had over a week and a half ago. Once I realized who it was I was livid and told him you were already warned to not call me again over this debt he began to argue with me and I ended the call. This wan na be manager/collector disclosed I had a debt with them and did not fully authenticate me further more did not read me the mini miranda prior to disclosing I had a debt with them. In addition the debt he was calling me on was paid in full the other debt was placed with another collection agency and will be paid in full XX/XX/XXXX. 

This third party collection agency violated my rights under the FDCPA and continued to call me after I verbally told them to NOT call me back, also their client pulled the files and told them to NOT contact me. I get a collection call on XXXX XXXX  over a debt that was paid directly with the client.
Consumer complaint received 2016-12-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have XXXX satisfied judgments reporting on my transunion credit report. I have been disputing this wrong informaiton for months now and getting nowhere. They have been removed as they should have been from XXXX and XXXX however transunion just keeps updating the wrong information and will not remove it. My first issue is that XXXX NEVER had XXXX judgments. It was only XXXX judgment and as I mentioned earlier it has been satisfied. This was years ago. Having XXXX judgements reporting on my credit report is affecting my credit score and causing a hardship in obtaining substantial credit. I 've called transunion and submitted over the phone as well that I am disputing this information and it has been confirmed to remove off my report. Last week I received a letter from transunion that the information is reporting correctly. This is completely untrue. I called again and explained that they have been removed from the other XXXX credit reporting agency 's I was told they do not work together. That 's not the answer. I am furious at the fact that there so called investigation is complete. These XXXX items ( which is really only XXXX ) should be deleted from my credit report.
Consumer complaint received 2022-06-01
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. (VA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2019-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (CA)

The XXXX fire happened on XX/XX/2018. Since that time me and my family have experienced nothing but additional hardship, loss and bureaucracy in trying to recover and repair my home. And since I already filed one complaint against PHH Mortgage and the process of releasing my insurance funds to make repairs I will keep this brief. 

The most recent payments made by the CA Fair Plan are being held, going on over 40 days combined, PHH and the " servicer '' have decided that adding an additional layer of red tape/process would be so incredibly helpful to THEM in repairing my home. They have not lived through the tragedies, but everyone and anyone who could make this more difficult, oppressive and insulting have done so. I can not get the money issued by my insurance company in XXXX. My family 's health and economic stability has been greatly impacted. PHH/XXXX/XXXX  have now added additional injury and insult to an already bad situation. It appears as though it is not important to get my home repaired, it is more important to add layer upon layer upon layer of process. 

We were declared a National Disaster, so I will also send a copy of this complaint to XXXX XXXX 's office in the hope that someone in Washington may care more about people over bureaucracy.