davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2020-06-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I contacted my mortgage company SPS in XX/XX/2020 to obtain a forbearance for my mortgage loan due to my wife 's wages being reduced to COVID-19. I was told on the phone call with the call center agent that I had been approved for a 90-day forbearance plan. I received a letter dated XX/XX/2020 stating the terms of my forbearance. The forbearance terms in the letter stated that my forbearance began with the XX/XX/2020 monthly payment, but I had already made that payment back on XX/XX/2020. My loan was current and due for the XX/XX/2020 monthly payment when I requested assistance. I had thought that my forbearance would be for the XX/XX/2020, XX/XX/2020 and XX/XX/2020 payments based on the verbal discussion with the call center agent. Yet, the terms list XX/XX/2020, XX/XX/2020 and XX/XX/2020 payments as covered under the forbearance and a balloon payment due XX/XX/2020. I am asking for assistance from the CFPB to have SPS honor the terms of the forbearance that I had agreed to in my call and have my first payment after my forbearance ends be XX/XX/2020. I believe that SPS is being deceptive in its assistance offerings. As a borrower who was negatively impacted by COVID-19 I don't feel that SPS is truly helping borrowers.
Consumer complaint received 2024-01-10
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2020-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.
Consumer complaint received 2023-05-26
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. (DE)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 # XXXX 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 ( AX ( 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. 

I have sent multiple disputes regarding these accounts that have ALL come back Verified Accurate/Complete, but when I sent my last dispute of accuracy and completeness of reporting, I included documents from transunion, XXXX and XXXX which show different information being reported, I was prompted with an Updated Credit report that is STILL INCOMPLETE and/or INACCURATE. there should not need to be information added/updated if an account is being reported to its completeness with 100 % Accuracy. 

These fraudulent reports have adversely affected my creditworthiness to competitors, therefore I request immediate removal of the following incomplete/inaccurate accounts from my credit report : XXXX  XXXX XX/XX/2020 # XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX
Consumer complaint received 2024-03-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am not liable for any debt with XXXXnor do I have a contract with them and they did not provide me with any signed agreement between us this was investigated by XXXX and Deleted and this company re-added negativeitems to my credit file. I have attached both accounts, which were investigated and found to be not mine.
Consumer complaint received 2024-03-23
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: EQUIFAX, INC. (MA)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 
Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2023-01-06
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-08-04
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: TD BANK US HOLDING COMPANY (TX)

I have a loan with TD AUTO FINANCE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and XXXX and TD AUTO FINANCE with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

on XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have  got into the hands of the wrong person.
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: EQUIFAX, INC. (FL)

Equifax Fraud Department unfortunately has not corrected errors in my Equifax Consumer report. XXXX/Department of Education was a loan that was fraudulent opened by a closed school and opened in my name.
Consumer complaint received 2022-01-27
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. (KY)

The following late payment remarks placed onto my credit report without my verbal or written consent to do so, is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit in the future. Due to these facts given the following closed accounts must be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX )
Consumer complaint received 2023-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

Over 15 years ago I took out a HELOC with Webster Bank. Since then I filed XXXX XXXX. The bank was paid {$80000.00} through the Trustee on a balance of {$100000.00}. The XXXX XXXX was dismissed 5 years ago, but the bank still reports me as delinquent. I inquired about my balance not reflecting payments, and the fact that my account was now showing $ XXXX balance despite payments. I paid my attorney to look into this as well. I believe their balance and accrued interest etc is incorrect since they started from the wrong balance. I also believe they have written this account off some time ago. I do not get collections calls, nor do they send me bills. The house we had the loan on was foreclosed on, and sold with a clear title yet they still report an equity loan. Despite many calls, the only information I get is what they claim the balance was and that I should contact my lawyer. Having done all this and attempting to rectify the situation I am now trying to purchase the home I live in and have rented for the past 5 years. This HELOC listing is affecting my ability to make this happen. 

This loan was converted by the bank to a standard equity loan not a line of credit before we filed XXXX  XXXX.
Consumer complaint received 2020-06-11
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Thrift Investment Corp. (NJ)

In XXXX I was laid off due to COVID-19. I havent been able to pay my car payment for 2 months. I called and explained my situation and the collector asked me when Im getting my unemployment? My unemployment is less than what I was making before and I have a family of 5 to take care of. Thrift Investment Corp, which holds my used car loan, have been completely unreasonable to work with. Today the collector called and texted me over 20 times and threatened to repo the vehicle for not being able to make 2 car payments during the COVID-19 pandemic, in which the whole country is in crisis. Thrift Investment Corp is aweful to work with during a crisis.
Consumer complaint received 2022-01-27
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. (DE)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-08-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TD BANK US HOLDING COMPANY (ME)

Have an ongoing loan with TD auto finance. In XXXX, I became XXXX  with XXXXXXXX XXXX and lost nearly six weeks of work. I called TDAF and they offered to put my payments on hold until I was back on my feet. I had a letter from my Hospital. I resumed my payments last month. I received a letter in what appears to be a fake certified envelope with a date as delivered different from the actual date it was delivered. Letter stated I had to come up with nearly 4000 $ by XX/XX/XXXX as a balloon payment or they would begin reposection. The envelope did not have a return receipt to sign by the Addressee. Just getting back on my feet leaves me in no position to come up with a balloon payment. I am on Social Security. They never told me i would have to pay all this back. Its listed on my credit report as a charge off due to the bank offering assistance with covid 19. Can they do this to me?
Consumer complaint received 2022-01-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2020-06-11
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 SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-06-11
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 SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IS THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS HAVE BEEN OPENED BY SOMEONE WHO HAS GAINED ACCESS TO MY PERSONAL INFORMATION. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-04-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (WI)

The loan was opened XX/XX/XXXX. The last contact I had with this company was XXXX XXXXz The debt owed is {$570.00}. This company has been re-aging this debt. My debt is over 6 years old and as of XX/XX/XXXX they re aged the debt saying it was newly opened and 3 months old!
Consumer complaint received 2023-01-06
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. (AZ)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2020-08-04
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. (GA)

XXXX aka XXXX XXXX was a secured credit card account opened by me in 2016 and was paid regularly until unforeseen medical events caused me financial hardship. My balance is {$120.00} and that should have been deducted from the cash deposit I had placed with them and the remaining {$79.00} should have been refunded back to me when the account was closed. Instead XXXX XXXX has ruined my credit intentionally by reporting that balance of {$120.00} to the credit bureaus as having 18 charge off 's with XXXX as one example and of which I am attaching a print out of my most recent credit report with them. I have contacted them and have requested that it be verified but they have not sent me any information on this account. A search with the XXXX lists them as not responding to requests and many have had the same problems with them. As a result the XXXX does not rate them and has had many complaints filed against them.
Consumer complaint received 2024-05-11
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: EQUIFAX, INC. (TN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( was during the time of covid SCAM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE CHARGED OFF ACCOUNTS OFF MY CREDIT REPORT ACCORDING TO 15 US CODE 1601 LATE PAYMENTS 15 US CODE 1666B COLLECTIONS 15 US CODE 1692C
Consumer complaint received 2020-06-11
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: Convergent Resources, Inc. (MD)

XXXX XXXX has shared my social security number, credit report and confidential information there in without my consent to Convergent who illegally and without my consent have violated my privacy and are aware of where I live and have been given my phone number. 

I am requesting Convergent and XXXX to remove the false reporting from all three credit agencies and off my credit file as they have not responded to my request in 30 days to prove they have accurate information to receive my confidential information to report to all three credit bureaus. 

I have not signed an agreement with Convergent and associates  to contact me, nor have my confidential information nor report errors to all three credit bureaus. 

I'm requesting in writing the removal of the false reporting from all three credit bureaus. 

Therefore the reporting is illegal and inaccurate information given to all three credit bureaus as well as my right to privacy and protection has been been violated. 

My husband 's XXXX XXXX and current hospitalization has had my family in crisis and now with Covid-19 I must have this inaccurate reporting removed immediately. 

The false reporting is negatively affecting my XXXX XXXX ' ability to receive COVID-19 disaster relief. 

Please remove now from all credit bureaus. 

Thank you.