davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-21
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. (AL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 state a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2019-12-09
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. (CO)

XXXX  ; Experian and XXXX  are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

According to the fair credit reporting act these accounts on my consumer report Account Number XXXX Account Number Account Number Account Number Account Number XXXX Dear Sir/Madam, I am writing to express my deep concerns regarding the inaccuracies and violations of the Fair Credit Reporting Act ( 15 USC 1681 ) and the Privacy Act of 1974 ( 15 USC 6801 ) in my credit report issued by your agency.

According to the Fair Credit Reporting Act, consumer reports are supposed to exclude information solely related to transactions or experiences, as specified in 15 USC 1681 ( i ) and 15 USC 1681 ( A ) Sec 2 ( i ). However, upon reviewing my credit report, I have discovered numerous inaccuracies that do not align with this requirement, violating my rights as a consumer.

Moreover, the inclusion of such inaccurate information also contravenes the Privacy Act of 1974, particularly 15 USC 6801, which emphasizes the obligation of financial institutions to protect the security and confidentiality of customers ' nonpublic personal information. I have disputed these inaccuracies in my report multiple times, and yet they have irresponsibly been verified without any transparent procedure outlined to prove their validity.

These violations raise serious concerns about the integrity of the information in my credit report and undermine my ability to access credit and financial services based on accurate and reliable data. Should these issues persist, I may pursue legal action under the provisions of 15 USC 1681n for willful noncompliance with the law.

I demand that your agency promptly correct the inaccuracies in my credit report, provide a transparent explanation of the verification process used, and ensure compliance with all relevant laws and regulations, including but not limited to 15 U.S. Code 6802, 15 U.S. Code 6803, 15 U.S. Code 1681b, 15 U.S. Code 1681e, 15 U.S. Code 1681f, 15 U.S. Code 1681g, and 15 U.S. Code 1681i.

I request a timely response from your agency to address these issues and rectify the violations promptly. Failure to do so may result in further legal consequences to safeguard my rights as a consumer.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC (CA)

I made a payment on my Indigo credit card on XX/XX/XXXX. The company policy is that it takes up to 14 days after payment is received by ACH debit to verify good funds. This policy is ridiculous because it does not take more than 7 days after payment to verify an ACH debit. Nonetheless, the company refuses to release available funds on the XXXX day after they received payment which is XX/XX/XXXX. They will not release the funds until XX/XX/XXXX which is the XXXX day. The company falsely tells customers that they will place a hold of up to 14 days on the account before releasing funds but they are lying to customers because they actually take 15 days. I resent the fact that this company first of all has this outrageous policy of waiting 14 days to release available credit which is completely unnecessary and then lies to customers about the hold time when they actually have to wait 15 days.
Consumer complaint received 2020-01-15
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$150.00} -This is not my account.
Consumer complaint received 2019-12-09
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. (CO)

XXXX  ; XXXX  and Transunion are reporting incorrectly a charge-off in the amount of {$5400.00} on the XXXX/XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This vehicle was sold at auction and sold for more than the amount due so consequently this account needs to report a {$0.00} balance. Even after the vehicle was sold, an increased balance due is being reported. This false reporting of a charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I  have not been successful.
Consumer complaint received 2022-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc (GA)

On XX/XX/XXXX, A certified letter was mailed to XXXX Credit Reporting Agency. Providing proof that 3 Public Records that are being reported on my credit report didnt belong to me. The reporting agency XXXX XXXX that XXXX used in the past several years. Complete their investigation after being contacted by me and removed all 3 Bankruptcy from their database. XXXX was also notified by XXXX XXXX requesting deletion of inaccurate reporting in results to their errors. XXXX XXXX is the Original Reporting Agency who I was advised to contact. I was informed from a Supervisor with XXXX even after verifying they received the certified letter. That my credit report will remain unchanged because they now use a different agency XXXX XXXX XXXX whom advise them the XXXX public records is accurate and needs to remain on my report. The Bankruptcy should have never been reported to my credit report. XXXX refuses to delete all 3 XXXX XXXX even after receiving documentation from a previous agency theyve used. According to the Federal Credit Reporting Act. Failure to correct and delete inaccurate information after receiving documentation from the Original Credit Reporting Agency and Consumer. Is a violation. Im requesting deletion of all 3 Bankruptcy Public Records dates ( 2 ) XXXX and XXXX files in the state of GA from my XXXX Credit Report. Final step will be to contact Georgia Attorney General Office.
Consumer complaint received 2019-12-09
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. (NV)

My husband and I bought a new car in XX/XX/XXXX and we were forced to file chapter XXXX bankruptcy shortly afterwards. This loan along with my mortgage were not included in the bankruptcy and were direct pay loans. My bankruptcy discharged in XX/XX/XXXX. Thereafter, I waited approximately 45 days for my mortgage and vehicle loan to start reporting again. I had to call both companies, and XXXX XXXX refused to speak with me even though my BK was completed and all payments were current with them. Soon after I contacted my attorney to address the issue with not reporting correctly. XXXX then reported my account was closed to all credit bureaus as discharged when in fact the loan was outside of the BK, open, active and current. I disputed the account closed with all three credit bureaus, XXXX Experian and XXXX to no avail. My attorney went back and forth with XXXX for 6 months and I got involved again. I contacted their credit department and when I received a call back they informed they forgot to send my title. I again told them I was still paying on the loan and I just wanted them to report it correctly to the credit bureaus and was told again that they would do that and it would take 60 days. I have now paid my vehicle in full and it still shows this account was closed over a year ago with all three bureaus and would like to get this resolved and updated to reflect this loan was in fact paid timely on a monthly basis, starting in XX/XX/XXXX after the discharge, the loan was paid in full and no longer erroneously show discharged in bankruptcy.
Consumer complaint received 2019-12-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Arete Financial Group (FL)

Arete financial freedom made everything seem like butterflies and rainbows ... Until 8 months+ later I received an email saying my payment was declined even though Ive had no change in card information. Called and emailed endlessly with no such hope of getting a reply.

Contacted XXXX  and they read back some of my information which was completely incorrect along with my FSA email being changed.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

The company lead me to believe that I would not have any additional payments on my loan since they were going to settle for a less amount, yet after they made a settlement, they continued to charge my account and report me to the credit bureaus for being late. They did not clearly explain that I had to still make payments. And all attempts to notify me of additional late payments were understood to be systematic given the nature of my communications with their team prior. I've tried to dispute this with the credit bureaus many times and have had many conversations with them but they refuse to share audio recordings of the phone conversations I had with their team to substantiate my claims otherwise.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

We where given 2 financial deferments in a course of one year  we called in asking for assistants and was given a deferment for XXXX and XX/XX/XXXX these payments where to be put on the back end of the loan. There was 5 payments walked in to the bank and paid for {$1700.00}, {$1700.00}, {$560.00}. {$1700.00}, {$560.00} that equaled {$5700.00} and that was also reported to the credit bureau this payment would equal 10 full payments we purchased the truck XX/XX/XXXX XXXX was our fist payment of {$560.00} we received a deferment in XXXX and was to make our payment in XXXX and was told our account was locked for non payment. XXXX XXXX XXXX  is committing credit fraud they have reported my payments that I made I have copies of a deferment that was given a XXXX has not answered a phone to any of the finance companies that are trying to refinance our vehicle they keep saying it is in litigation and it can not be processed because they don't know how much the car cost they are reporting on my credit as XXXX and XXXX XXXX I want to know what the status of my loan is and why I never received any communication or calls from this company I am totally disputing this account with XXXX and XXXX and all credit reporting agency I want answers about this account I have placed several complaints and this company has never responded I need help with my loan and my credit XXXX XXXX
Consumer complaint received 2019-12-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I RECENTLY CHECKED MY TRANSUION CREDIT REPORT AND SAW AN UNAUTHORIZED INQUIRY FROM XXXX XXXX ON XX/XX/2019.
Consumer complaint received 2023-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc. (OH)

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. This collection found within my credit report 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 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NC)

Got card XXXX no interest for 2years XXXX  XXXX tack on interest at XXXX limit XXXX nowXXXX. To date I’ve payedXXXX a month balance now XXXX there charging me 63percent what is going on
Consumer complaint received 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I found inquiries on my report on XX/XX/2023 that shouldnt be there be because i did not authorize any Institutions or agencies to access my report I submitted the FTC report to the bureau directly and they did not help.
Consumer complaint received 2024-02-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

Remove the fraudulent info or face legal action! I won't wait delete the fraudulent account immediately. No more delays fix it now, or my attorney will sue you in 30 days. Take this seriously and act immediately to avoid consequences. XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$0.00}. Please remove.
Consumer complaint received 2024-02-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (IL)

I set up auto-withdrawal in XX/XX/XXXX, with my two required payments that month going through successfully. While the letters confirming successful withdrawal have dates that don't align with my account 's stated due dates for both letters, I figured it was just a delay in how they send out their notices. 

In XX/XX/XXXX, I assumed my payments would again run successfully. On XX/XX/XXXX I received an email alerting me to a new message in my account, which was a PDF scanned letter confirming the amount to be automatically withdrawn. On XX/XX/XXXX, I received a second email about an important notice, which was again a PDF letter dated XX/XX/XXXX indicating my payment was overdue. I spoke to a few representatives, none of whom could explain why I was not receiving timely notifications about overdue payments that are resulting from their attempts to withdraw the funds. I then asked to have my due dates become one due date in the hopes this would solve the issue and allow me to plan better for the withdrawals, to which they replied they'd need to research if this was a viable solution. I have not since received a response. 

Because I don't trust them, I log in about once a week to check my account. I logged in on XX/XX/XXXX to find again that my payment was past due because there were insufficient funds in my bank account, but I once again never received any notifications about the attempt to withdraw the funds. At XXXX on XX/XX/XXXX, another PDF letter was added to my account indicating my payment was past due ; however, I have not received any emails even indicating that a message was added to my account.
Consumer complaint received 2019-07-12
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: EQUIFAX, INC. (KS)

I have sent requests for my credit report to Equifax via certified mail on XX/XX/2019 and again on XX/XX/2019 including proof of identity, proof of address, proof of social security number. Equifax has failed to provide a copy of my credit report to this day, XX/XX/2019. In addition, I have attempted to contact Equifax online and over the phone answering all identity verificarion questions exactly as they appear credit reports from XXXX. Representative XXXX, Employee ID number XXXX, refused to provide access to my account over the phone in order to lift a credit freeze temporarily. Same result with supervisor XXXX, Employee ID number XXXX. Neither would explain to me why Equifax will allow mr access to my account and information online nor provide a reason they will not provide any information to my account over the phone.
Consumer complaint received 2019-07-12
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Onity Group Inc. (CA)

PHH MORTGAGE Contacts us stating they are taking over our dispute for OCWEN neither one of these companies are recorded in our county records office with a modification agreement. 
XX/XX/XXXX transferred servicing rights to OCWEN. XX/XX/XXXX modification agreement was accepted. XX/XX/XXXX notice of TRUSTEE SALE FILED Doc # XXXX while in modification. in XX/XX/XXXX unlawful detainer filed by heloc RESIDENTIAL CAPITAL MORGAGE Which was purchased by OCWEN with a purchase agreement in XX/XX/XXXX. while in modification and current and compliant.XX/XX/XXXX kicked out of home of 23 years and left XX/XX/XXXX.XX/XX/XXXX OCWEN FILES IN HOUSE FORCLOUSURE using the XXXX loan # XXXX XXXX NOTICE OF TRUSTEE DEED UPON SALE FILED Doc # XXXX and are last payment to OCWEN was XX/XX/XXXX we were current and in compliance with our modification as per our Homeowner bill of rights being violated. XX/XX/XXXX fraudulent grant deed filed Doc # XXXX XX/XX/XXXX FULL RECONVEYANCE FILED DOC # XXXX AND NO HOUSE. THIS COMPANY HAS BEEN FOUND GUILTY OF MORTGAGE SERVICING FRAUD AND VIOLATING BORROWERS HOMEOWNERS BILL OF RIGHTS XX/XX/XXXX AND IN XX/XX/XXXX WHY ARE THES COMPANIES STILL IN BUSINESS AND THE CEO '' s NOT IN PRISON AND WE WERENT NOTIFIED OF ANY CLASS ACTIONS SUITS BECAUSE WE ARE NOT RECORDED ANYWHERE IN OUR COUNTY RECORDS WITH THESE 2 COMPANIES.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates after being advise not contact me has repeatedly called me 10 + times all from different number they are not the original creditor and I have asked to not be contacted by phone I also have sent XX/XX/2018 and do not contact cease letter i also have cell phone call log of repeated phone calls
Consumer complaint received 2023-05-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (NJ)

I have no business relationship with PENN CREDIT CORPORATION. They opened an account in my name without my knowledge, authorization, and consent. I do not have a contract that i signed with them that makes me obligated to pay them anything. This is fraud, identity theft, and extortion. There is no agreement between myself and PENN CREDIT at all.
Consumer complaint received 2023-07-20
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: William D. Meeker Enterprises, Inc. (DC)

It is reported on my credit report a hard inquiry from CIC Credit in XXXX TN. I have never signed up or received any services from this company. I have only found out about this recently based on a review of my credit report. This inquiry is notated from XX/XX/2023. It looks like a mortgage was being applied for in my name and I have no recollection I applied for a mortgage loan.