davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (MD)

In or around XX/XX/2018 XXXX XXXX was in review for loan modification. On XX/XX/2018, without properly denying the application, Ocwen proceeded with a foreclosure in violation of Regulation X, 12 C.F.R. 1024.41 ( g ).
Consumer complaint received 2018-11-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: SUN LOAN COMPANY INC. (AR)

Called Sun Loan Company on XX/XX/2018 to speak about not being able to make a payment that month due to not having money at all that month. The woman cursed me up and down and continued to ask about my partner whom I'm not married to, living with me, though separate household/and bills. Partner was in the middle of filing bankruptcy and I said that he was and the lady immediately began to curse me and ask me for a case number, etc and I felt attacked and it wasn't my place in my mind to give information out like that. When I stated that I don't have that information on his bankruptcy case at the moment and didn't know which attorney he went through, ( even though I did, but like I stated, it wasn't my place to say anything. ) The woman hung up on me. Since then, Sun Loans have called and harasses me two to three times a day from Monday through Saturdays and even calls my mother and best friend to inquire about me. I've been harassed as well about a friend 's loan that she went arrears with too.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I reached to Bank of America, a few times to let them know that they sold the account to a collections agency. Despite, me paying the monthly balance with XXXX XXXX  of this card it is still being negatively reflected on my credit report with Bank Of America. Attached is a copy of the debt on my Credit Report.
Consumer complaint received 2018-01-22
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. (AL)

I have no knowledge of any accounts with XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Consumer complaint received 2022-12-26
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: NAVY FEDERAL CREDIT UNION (KS)

As required by law, XXXX is to fully investigate disputes and provide proof of their investigation method. This has been requested on multiple occasions. On XX/XX/2022, XXXX " verified '' the alleged debt with Navy Federal Credit Union. The debt with NFCU is listed as " charge off '' but NFCU has failed to EVER provide me with a 1099 for that charge-off and is therefore in violation of federal law by " verifying the debt '' and XXXX is in violation of federal law by " verifying the debt '' or not completing the investigation in full as required. 

I demand that the NFCU alleged debt account be removed permanently from my credit report.
Consumer complaint received 2022-12-26
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. (FL)

CFPB + Transunion, This is in relation to my TransUnion credit report dated XX/XX/2022. Ive found a few inaccuracies in the following accounts and these need to be removed. 

Attached to this complaint are : - My drivers license - My mailing address - My social security card - My written complaint + screen shots To have the accounts removed for many major inaccuracies
Consumer complaint received 2022-12-26
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: CCF Intermediate Holdings LLC (GA)

I was told by speedycash I was given a loan via my bank. I do not have a bank nor had one. I had in past 5 years gotten loans from them only in person and paid them all. I got a text saying I got a loan and had a payment due the same day. When I called them I was told money went to my bank. I had no bank. I complained to XXXX who told me it's accurate. It is not. Now I see payments were made except not by me. Please fix this. I've worked for 3 years and haven't been late on one of my 8 credit cards and now it's ruined and XXXX can't tell me who's acct it is or who's making pymnts. Please help me.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

In 2020 I was a victim of fraud/identity theft. My Discover card was one of my credit cards that had charges on it that were not mine! Somewhere right around $ XXXX in charges. This company has absolutely no fraud protection or prevention for their consumers! And they had no care in the world that I fell a victim to fraud and refused to work with me in getting these charges off of my account. And now has reported it on my credit report as a charge off which is hurting my credit! Ive tried calling in several times over the last 2-3yrs with no help or feedback at all!
Consumer complaint received 2022-12-26
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: The Receivable Management Services LLC (SC)

In accordance with the Fair Credit Reporting act. RECEIVABLE MANAGEMENT COMP # # # # # XXXX XXXX XXXX XXXX XXXX both violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the NO SURPRISE ACT, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-01-05
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: Nelnet, Inc. (FL)

XXXX Fraud Department unfortunately has not corrected errors in my XXXX Consumer report. Netnel/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.
Consumer complaint received 2020-01-05
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: WELLS FARGO & COMPANY (AZ)

I have been a victim of identity theft XXXX and Wells Fargo have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.
Consumer complaint received 2020-01-04
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. (TX)

On XX/XX/XXXX, I created a free account with Experian and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX  XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX
Consumer complaint received 2023-05-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY (NY)

i had a join account with my husband, we have about worth {$1000.00} points. The bank transfer my rewards points to other people by mistake, and i tried to ask them to fix it for me, but they never do it for me, never response back to me. 
this is the relate credit cards : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please help me. 

Thanks
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (PA)

XXXX XXXX XXXX XXXX XXXX has been falsely reporting Mrs. XXXX 's mortgage as delinquent by utilizing an improper loan which does not exist. Therefore, the false credit reporting should have never occurred. On XX/XX/2019 XXXX XXXX XXXX XXXX XXXX sent Mrs. XXXX a letter stating they reported account status information to the consumer reporting agencies when reporting should have stopper ; We've notified the consumer reporting agencies and have asked them to update your credit report.
Consumer complaint received 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC. (FL)

ALL ( 3 ) HARD INQUIRIES ON MY EQUIFAX PROFILE, UNAUTHORIZED XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax TAKE THESE 3 ADDDRESSES OFF XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NEW ADDRESS WHERE I LIVE XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-01-05
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: Experian Information Solutions Inc. (AZ)

I have been a victim of identity theft Experian and XXXX XXXX have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.
Consumer complaint received 2022-07-06
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. (IL)

I was behind on my car note that resulted in a repossession. The car was in their custody for a total of XXXX days. The date was XX/XX/2022. I was instructed to pay a payment of {$2200.00} to retain my vehicle. This was to cover XXXX months of payments that I was late on. I paid it on XX/XX/2022. I received my car back on XX/XX/2022 from the lot. I recognized that balance on the account that is not being reported to the bureau in its current state. I also noticed that my car is currently being reported in a closed status but the car is in my possession. I would like the status of my account to be brought back to a open status and the account balance to reflect the amount that it should be after my payment on all three bureaus.
Consumer complaint received 2022-12-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

From XX/XX/XXXX to XX/XX/XXXX while I was away I was a victim of identity theft I tried to file my disputes and nobody will help me get my hard earned money back I filed my identity theft report I called a good lawyer XXXX XXXX but I shouldnt have to go through this if the bank sees I didnt do these transactions the bank can clearly see that theres. Check written from my account thats not me completely different hand writing these transactions are not mines the money that was took from my account was my XXXX loan to better my business while I was away taking care of my sick aunt td bank has cameras they can see this is not me for account number XXXX I been a loyal customer put all my funds in there and lost them to td bank I am going to see my lawyer today I lost everything behind td bank and all Im asking for is my money back and my account opened I hate to have to go to court and get a lawyer cause I will definitely win once they see the cameras and handwriting on these checks the person even went to the teller and withdrew big amounts my lawyer said I can sue for a few millions but I just want my funds reimbursed this wasnt no petty change this was my life money and Im looking for my funds returned expeditiously I am a loyal customer and have been I demand my funds be returned and my account open these transactions was not me I have my reports and youll can clearly see this wasnt me I hate to have to go to court but I will and it wont take long this was my XXXX business money now my business is done behind td and a scam artist no I will not allow this my money is insured and youll see that check is not mines and none of your workers will help me file my dispute so what else can I do Im suing for negligence Pain and suffering youll did not take good care of my money and now I have none I demand my account be opened and my funds reimbursed now my lawyer name is XXXX XXXX and Im ready to go to court please respond asap that was my business money and youll will not keep my money behind youll negligence I demand my money be reimbursed and my account opened up with some type of credit
Consumer complaint received 2019-12-26
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TMX Finance LLC (GA)

Under 12 USC 83 no bank can loan credit. Under 15 USC 1692 when consumer disputes debt a cease and desist from collection of the debt until verified. A request of securization analysis report only to prove the debt owed and proof the credit came from TitleMax and they were not just acting as a trustee to a deceased estate. All responses not done by affidavit only will be rejected as false and default with a notice of settlement for the inducement of fraud by non disclosure of where the money came from.
Consumer complaint received 2022-12-26
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)

In accordance with the fair credit reporting act XXXX  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 2020-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: DISCOVER BANK (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2019.

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

Equifax XXXX  XXXX  taking more than 30 days sent affidavit and now ftc this should satisfy my claim dept of ed XXXX  XXXX XXXX XXXX XXXX Louisiana dept XXXX  put on twice all violations of my rights
Consumer complaint received 2018-03-04
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: College Foundation, Inc. (NC)

College Foundation Inc 30 Missed Currently 120 days past due Overview You've paid off -79 % of your  student loan amount. 
Balance {$7100.00} Highest Balance {$4000.00} Monthly payment {$74.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mo ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE You've paid off -44 % of your student loan amount. 
Balance {$5000.00} Highest Balance {$3500.00} Monthly payment {$52.00} Opened XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) Term 120 months Payment History Youve made 40 % of payments for this account on time. 
J F M A M J J A S O N D XXXX XXXX XXXX Worst payment status XXXX Days Late Times XX/XX/XXXX days late XX/XX/XXXX
Consumer complaint received 2018-11-05
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. (CA)

This is in regards to the complaint around # XXXX. The case has been erroneously closed. In their response they stated that the account was closed for delinquency. Also, in their response they show that they returned the payment made that would have cleared the debt on the account. The credit report shows that I was in good credit standing ( with the exception of the two months they decided to not take payments ) until XXXX. According to them they " closed the account in XXXX ''. Their actions were unreasonable and violate FCRA unequivocally. This blemish on my credit report is completely fraudulent.
Consumer complaint received 2023-06-29
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. (TN)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.