davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (DE)

I purchased a 2009 XXXX XXXX with my son. He was arrested and the vehicle was seized. I worked with the states attorney and credit acceptance to get the car back and obtained approval from credit acceptance to reduce the payments from {$460.00} to {$300.00} which I have been paying monthly and sometimes twice per month. I recently was made aware that the car was out for repossession before it was seized because my son did not make his payments but once it was seized the repossession stopped. Credit acceptance is stating that the payments are being reported as 120 days late each month because of the prior repo order. I am being told there is nothing they can do even when I am current on my payments because the car was up for repossession at one point which made the entire loan due. I was never told this when I renegotiated the payment amount and this is effecting my credit score drastically. I have tried to call a manager but no one has returned my calls and the representatives are rude when speaking to me. My payment history proves my on time payments and the letter I received when lowering my payments never speaks about The entire loan being due. Please look into this matter as I believe this is an illegal and unfair practice.
Consumer complaint received 2023-01-07
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. (MO)

On XX/XX/2020, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681. 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. This is a violation of my rights. The credit bureaus violated my given rights under 15 USC 1681. According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS (MS)

This company has been notified on multiple occasions that they are reporting inaccurate information on my credit report. This company continues to violate the fair credit reporting act by falsely reporting information. They are showing that the information was provided by the US BANKRUPTCY COURT. I have sent this company a letter directly from the court stating that they do not furnish information to 3rd parties. They continue report this when I have informed them that its being reporting inaccurately. I demand for this company to remove this.
Consumer complaint received 2024-03-19
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. (NY)

Despite my diligent efforts to provide valid documentation supporting my position, it seems that my message is not being properly received. Let me be clear : I am the one initiating these disputes under my name. The items in question are unfamiliar to me, and I am perplexed as to why it is being labeled as fraudulent or high-risk. The documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that the record be rectified. I am aware that according to FCRA Section 619, obtaining information under false pretenses is a serious offense with severe penalties. However, I have never shared my documentation with anyone else, and I fail to comprehend why it is being suggested that this constitutes high-risk due to potential fraud. The following accounts need to be removed from my credit report ASAP : 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 2022-11-05
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. (NV)

i do not have any accounts with this company, I have asked that it be removed and its still present 15 U.S. Code 1681i - Procedure in case of disputed accuracy do they have right of assignment? there is no full account number, how is this listed with no account number? whe was last activity of the acount? if this was charged off then there needs to be a cancellation of debt 1099, you can not collect on debt that has been charged off i need accurate data points please remove I have been sick with covid for a year and alot of abuse was done to my credit15 U.S. Code 1681i - Procedure in case of disputed accuracy you can not charge off a card and still report it as over the limit, do you see the problem with these accounts? 










XXXX XXXX XXXX XXXX ( Revolving ) Accounts - Summary XXXX TransUnion XXXX Last Updated 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-19
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. (FL)

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dobberstein Law Firm, LLC (WI)

I took out a payday loan from XXXX XXXX in XXXX for {$1600.00}. I wound up using a payday loan debt consolidation program beginning in XXXX and paid off XXXX other payday loans and some of my balance to XXXX XXXX, but not the whole amount. Fast forward XXXX years later, and a judgment was entered against me by XXXX XXXX, who was represented by Dobberstein Law Firm , LLC in XXXX, XXXX. The original judgment amount was for {$2500.00} plus legal fees. The document that Dobberstein Law Firm had sent me indicated the balance was {$2800.00}, however now the judgment on the Wisconsin circuit court site shows a judgment of {$2900.00}. I began making monthly payments in XXXX, XXXX, in the amount of {$120.00}, with the exception of XXXX, XXXX due to having to take time off work for my daughter 's XXXX and I did not have any paid time off available through my employer. I notified Dobberstein Law Office of this, they accepted it, and my payments resumed in XXXX, XXXX. To-date, I have paid {$620.00}. When I called Dobberstein Law Office to update my debit card information, I was advised that my balance is still over {$2400.00}. When I calculate the original debt, less my payments, even using the {$2900.00} amount listed on the circuit court website, I calculate my balance to be {$2300.00}. If we're going off what the balance listed on my account from the information I received from Dobberstein Law Firm, my balance would be {$2100.00}. I don't see anything listed on the court order indicating interest applied, simply the following statements : " Failure to comply with this order may be contempt of court and subject you to the following penalties : Imprisonment for up to XXXX  months Forfeiture of not more than {$2000.00} per day Any other order necessary to ensure your compliance Punitive ( criminal ) sanctions under Wis. Stats. Ch 785. '' I'm concerned about these discrepancies in the original balance reported by Dobberstein Law Firm, compared to the judgment entered on the Wisconsin Circuit Court website, as well as the remaining balance I was advised of, which is still higher than what the balance should be less the payments I have already made. I have not received any receipts for my payments, just a verbal notice over the phone of my remaining balance, however since it is a debt collector, they did indicate that the call was recorded at the beginning of our conversation, so there should be a call recording through the law firm.
Consumer complaint received 2022-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (MA)

I moved out of my apartment on XX/XX/2022 for medical reasons. ( Of note : The apartment that I was given on move-in day was not the apartment that I was shown for rent. ). A pipe broke in the apartment upstairs from mine in XXXX XXXX XXXX  whereby I was displaced from my apartment for 21 days. The ceiling collapsed and wasn't repaired properly, as they tried to paint over the water damage, so it fell several more times, even after I moved back in. The apartment ended up being chronically damp with black mold growing at the bottom of the hall closet. The water coming thru the ceiling brought with it the tar from the prior tenant who was a XXXX XXXX and I now had brown dripping water throughout my apartment and the odor of old smoke. 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. 
Things hadn't resolved by the end of XXXX when I moved out, as the XXXX XXXX XXXX XXXX XXXX still had two open cases for my apartment alone. 
The prior manager, XXXX XXXX, was very understanding of my need to break the lease for medical reasons. Apparently, when she left to take another job, her replacement, or XXXX XXXX themselves, put a derogatory mark on my credit report stating that I owed them {$2500.00} as of XX/XX/2022 for XXXX XXXX XXXX. 
NO ONE EVER CONTACTED ME ABOUT THIS DEBT. IT IS LISTED AS " IQ DATA '' ON MY CREDIT REPORT BUT I JUST HAPPENED TO SEE IT THERE. 

I contacted XXXX who told me to reach out to XXXX XXXX to help me resolve the situation. I did this twice and he never responded.
Consumer complaint received 2022-11-08
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: Convergent Resources, Inc. (NY)

XXXX Bad credit report from convergent outsourcing for unpaid sprint bill I paid it up in full on XXXX Confirmation # XXXX of payment for Convergent outsourcing XXXX agent Name : XXXX XXXX She said can't email confirmation so above is the confirmation number. 

XXXX i called XXXX to remove bad credit report they said convergent outsourcing put in on their responsible to remove it. 

XXXX spoke to : XXXX XXXX XXXX Supervisor Convergent outsourcing handles sprint accounts Asked her to remove the negative report from my account she declined! 

i was hit with over XXXX points going down my score! and negatively effecting my credit, essentialy Locking me out of functioning financialy. 

I had an excellent credit over 770! 
Now i got hit like crazy showing credit score is now XXXX!!
Consumer complaint received 2022-11-05
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-08-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was shocked when reviewing my credit report and found a late payment on the dates below : 30 days late as of XX/XX/2018 and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Consumer complaint received 2020-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IA)

I tried to log on to my Equifax account to view my credit file as I have a credit hold and the phone number information is apparently incorrect on the file. We dropped our home home several years ago. I was asked to provide information from my credit report to verify that I was who I said I was. The problem is I can't get a credit report if they have my online account locked out. So they say I missed a question. I tried again using my experian credit report and was still told I did not answer the questions correctly. After talking to a supervisor my only option was to fax in my information, which with no land line and during a pandemic I am not leaving my home, which has no land line. Or I could mail copies of my passport and drivers license into them which I refuse to do as they are confidential information I will not copy and mail to them. So how can I answer questions from a credit file that they won't let me see .... 

Thanks XXXX
Consumer complaint received 2020-10-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY (GA)

My initial inquiry on my transaction with Wells Fargo led me to research all activities on my account. I noticed an ACH  payment of {$100.00} made on XX/XX/14 never posted to my XXXX XXXX account. When I looked deeper into my account I noticed there were two unauthorized transactions on my Wells Fargo bank statement listed as XXXX  ACH   PAYMENT. First transaction on XX/XX/XXXX for XXXX and the second transaction on XX/XX/XXXX for {$500.00} to XXXX XXXX XXXX XXXX. A trace id number was provided by Well Fargo, however, they were unable to locate. A claim was opened for a transaction dispute. I then contacted XXXX XXXX and inquired about these transactions and they were not able to locate these payments. A total of {$910.00} has been withdrawn from my account without my authorization. I am filing a police report because there was fraudulent use on my account.
Consumer complaint received 2020-08-04
Product: Mortgage — Other type of mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST INTERSTATE BANCSYSTEM, INC. (WY)

I had applied for a usda home loan through first interstate bank on XXXX. On XXXX I was contacted by a loan officer and my husbands and my credit was ran 5 times in a period of 3 days. That many inquiries damaged our credit and the bank never even got back to us after 4 weeks. I had called weekly and left messages with the loan officer and at week 3 I called the branch she works out of and was told to email her and I should receive a response. Now at week 4 with still no contact from them, I called first interstate bank and was told someone would be in contact with me. Its been over 48 hours and still no contact.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (PA)

A fraud complaint was first put into Barlcays in XXXX of XXXX. Over the intervening period the fraud complaint had to be resubmitted at least two more times because Barlcays continues to not fully address the issue. Now in XXXXXXXX XXXX XXXX Barclays has removed all of the fraudulent charges and most of the related interest and fees related to that fraud. BUT not all of it. Barclays continues to demand {$41.00} in late fees and interest for charges that it agreed are fraudulent. 

I attempted to address this with their President 's office by leaving a voicemail three days ago. There has been no contact back from Barclays. 

I expect Barlcays to remove these erroneous charges and to correct their reporting to the Credit agencies.
Consumer complaint received 2020-10-01
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: LEXISNEXIS (MS)

For months, i have been asking XXXX  & XXXX  to comply with my disputes. Both companies are reporting a bankruptcy on my credit report. Both Companies have said they verified their information from LEXIS NEXIS. However not only is it an FCRA violation to seek information from third parties companies, Lexis Nexis has already sent a letter to me saying this information was UNVERIABLE and is NO LONGER in their system. However BOTH companies are still saying they verified the information from lexis nexis. 

furthermore, its been months of the same thing, and i have had no choice but to hire an attorney to initiate a law suit against the non complying company.
Consumer complaint received 2022-11-08
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: AMERICAN EXPRESS COMPANY (TN)

Amex has pulled my report without my consent. I called and sent them a letter informing them about the issue. The representative told me he couldn't find my ssn in the system and that they never pulled anything but it's on my reports not once but twice.
Consumer complaint received 2024-03-19
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} XXXX XXXXXXXX Balance : {$1400.00}
Consumer complaint received 2020-08-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OLIPHANT FINANCIAL, LLC (GA)

On XX/XX/2020 at XXXX XXXX I received a call from Oliphant Financial , LLC XXXX OFL XXXX, a debt purchaser and third-party collection agency based in Florida. The caller identified herself as a XXXX and she stated she was trying to collect a debt. XXXX begin to read a script and she asked me how I would like to pay the debt. I told her that the debt was not mine and not to call me again. She asked me why did I answer my phone if it wasn't my debt, I told her because she called my phone and I have a right to answer my phone. I again asked her not to call me and XXXX stated she will call me again. I called the number back XXXX and I believe she answered and confirmed she indeed worked for Oliphant Financial. I never had a credit card with XXXX, the only contact I have had with XXXX was a recent credit card application I submitted and as of XX/XX/2020, I have not heard if I was approved or denied.
Consumer complaint received 2022-11-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (CA)

I bought the prepaid debit card and loaded XXXX and paid XXXX card fees When I tried to activate and register the card the customer service told me I had fraud on the account and could not use it. How is that possible I just bought the card less than one hour ago. The company is NetSpend. I want to attach documents but the system won't let me
Consumer complaint received 2024-03-19
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. (CA)

I am writing to request the removal or blocking of information from my credit file due to alleged identity theft, as I have been a victim of such theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are obligated to remove or block any accounts no later than four business days after receiving the previous letter. I have previously included this report in my correspondence, and I am including it again for your reference. This letter serves as a final warning that if you do not block or remove the listed account from my report, I will be compelled to initiate legal action. I have informed my attorney of my intentions, and they are prepared to hold you accountable for your deliberate noncompliance. 

XXXX XXXX XXXX