davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: WELLS FARGO & COMPANY (IL)

I bought the car in XX/XX/2021 and I did not receive the title of the car. The car was taken for maintenance on XXXX which meant there were issues with this used car. I could not connect XXXX via my phone. I sold the car back to the dealer in XXXX but they asked me to pay for {$11000.00} difference. They took advantage of me
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (NY)

My account has never been late and due to an error with XXXX XXXX, my Barclay 's account was made to be delinquent in XX/XX/2021 when in fact it never was. XXXX XXXX provided a letter owning their mistake and the credit report still shows the account as being lat. This inaccurate reporting has severely affected my credit profile and scores. I was unable to get my loan because of this terrible marking on my credit report.
Consumer complaint received 2019-09-10
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. (OK)

I have been trying to resolve a discrepancy on the Transunion credit reporting. It is beyond frustrating. 

Transunion is saying ( XX/XX/19 ) my XXXX XXXX account was/is 30 days past due and open, It is NOT. The account is CLOSED and paid IN FULL. I have confirmed with XXXX they never reported anything as late or derogatory, and the account is in good standing and closed. I have NEVER missed a payment on ANYTHING in my LIFE. I have been a XXXX credit score for years, and 1 improper, not correct derogatory remark has dropped me to a XXXX at a very important time in my life where i'm trying to become a police officer and they are conducting a background investigation. This could potentially cost me my job. 

I have mailed my supporting documents ( XX/XX/19 ) to Transunion and XXXX will provide anything additional I need. They are requesting everything from XXXX XXXX, to XXXX XXXX and XXXX XXXX. They also have no way to expedite or have this issue solved immediately AS IT SHOULD BE. How transunion is a business that is operational and a trusted source for anything is beyond me. 

This false incorrect issue should be RESOLVED IMMEDIATELY and it it looks like its going to take weeks.
Consumer complaint received 2017-12-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (GA)

In XX/XX/XXXX Selene Finance approved me to start the modification process by paying {$1000.00} per month. I made on time payments for the month ofXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Selene sent me a letter datedXX/XX/XXXX that my XX/XX/XXXX payment is being returned as the payment is less than the amount required to cure the default on your loan. So I called the Loan Resolution Department and they stated that I would need to pay 3 months of payments. It was not clearly communicated what would happen to my home. The Loan Resolution representative I spoke to on XX/XX/XXXX left me not knowing the outcome, but stated he would send out the modification paperwork to me. But as of today XX/XX/XXXX I have not received. Please look into this matter as soon as possible. I am a XXXX of 1 year ago and the added stress is not good for my health.. 

My second complaint is on my mortgage history datedXX/XX/XXXX there is a large ( which appears to be a second  mortgage ). have not refinanced my home at all. Please have Selene explain where this originated. 

Thank you for your timely response.
Consumer complaint received 2022-09-24
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. (CT)

In accordance with the Fair Credit Reporting act XXXX  Account # 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 states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Last reported XX/XX/2023 AMOUNT : {$6200.00} 15.U.C.168I THIS FRAUD ACCOUNT SHALL DELETE FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX  NOT AUTHORIZE TO PUT THIS FRAUD ACCOUNT IN TO MY CREDIT REPORT WITHOUT MY KNOWLEDGE. 

DELETE THIS INACCURATE COLLECTION ACCOUNT FROM MY CREDIT REPORT BY LAW.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of and delete these immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN and XXXX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2021-12-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

I received notification that this law firm ( XXXX XXXX XXXX XXXX XXXX XXXX ) somehow obtained a judgement against me ; without my consent ( proof of service ). I reached out to the Superior Court of XXXX in reference to this judgment # ( XXXX, Case Number : ( XXXX  XXXX XXXX, docketed XXXX, I believe this is way past the ( statute of limitations ). Can this law firm be investigated to make sure they aren't illegally attempting to collecting on debts that past the statute of limitation? This debt is over 10 years old. More importantly I don't ever recall receiving proper notice ( proof of service ) for this so-called debt. Also, I have no idea who Midland Funding is. I spoke with an attorney who mentioned perhaps filing a motion to vacate, since there is not proof of service. We want to make sure the law was properly followed in order to obtain this judgement. I know that ( proof of service ) is required with the court. I have also reached out to the court to see if they have my signature on file for proof of service of this ( so called debt.
Consumer complaint received 2023-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX : {$450.00} XXXX XXXX  XXXX XXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-06
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NAVY FEDERAL CREDIT UNION (FL)

Please, refer to my previous complaint as NFCU did NOT keep their word and although they sent me forbearance paperwork and said was accepted being assessed late fees and the contact person XXXX, public relations person as well as their CEO XXXX XXXX are not responding .In addition it will be a hardship to pay everything ; g back in XXXX as still doing hurricane repairs .It is the holiday season and a XXXX XXXX XXXXXXXX Veteran please help me ASAP and prevent my credit from being ruined, I paid last month.
Consumer complaint received 2023-06-27
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. (TX)

On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXXXXXX XXXX web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXXXXXX XXXX XXXXXXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY XXXX, XXXX, TRANSUNION AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from XXXX.
Consumer complaint received 2022-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

There are multiple errors in the listing that are damaging my credit. I requested an investigation and the removal of the collection, charge-off, and late payment accounts. No changes were made. Below are the inaccurate accounts from my credit report : Collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-31
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 not liable for accounts that are reporting on my Credit file and credit report. These accounts aren't mine but are reporting as if I obtained credit cards, opened bank accounts, opened phone accounts and medical bills. These accounts are as followed. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXXXXX  on XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. These accounts are not mine but are on my credit report. Ive also asked for original contracts from all above named companies but have yet to be provided with as requested.
Consumer complaint received 2022-09-24
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)

This is my second time dispute incorrect items in my credit report and they still have not got back to me all XXXX bureaus Ive also sent a demand to comply letter they are reporting inaccurate information which has caused me to not be able to get approved for a home loan a car loan and even business credit and business loans to further my business this is unacceptable and unlawful!!! I want these items removed now!!
Consumer complaint received 2021-12-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (OH)

I have a credit card that was paid through XXXX insurance. After they kept placing and refunding fees by the end of XXXX payments there was a balance of {$34.00}. I spoke with representative from this credit card company and she agreed that the balance would be forgiven due to myself being terminally ill without a cure and on XXXX. This happened in XX/XX/2018. All of a sudden I have a collection placed on my credit bureau for {$500.00}. I've tried several times to contact collection company for verification of debt and never heard from them, nor received any verification from them nor bill ever. After disputing debt with credit bureaus multiple times they state debt is verified, how?? I contacted original credit card company and the lady states my insurance company never paid. Not true what so ever. I finally received all documents from collection company and it is all fees and interest accumulated since XX/XX/2018 when debt was forgiven. I never had a personal balance with the credit card company. So I was mislead and lied to by this credit card company via a recorded conversation of this agreement that debt would be waived because of circumstances and it was left over interest and late fee from insurance company paying bill late. How can a collection company try to charge someone for fees only when account was closed affective XX/XX/2018 with no balance. Also how can a collection I n be placed on a bureau without the law of proof of validation of debt. I have 30 days after receiving said bill to dispute prior to reporting on credit bureau. This is all against the laws set in place to protect consumers. And as of our joke of credit reporting agencies need to be held accountable for their actions. Falsely reporting incorrect information, not actually correctly reporting all true information and they have to delete and never place item again via FCRA laws when debt is not verified completely. Also they need to provide proof of validation of debts accuracy. Not just say we verified through our 3rd party. But information is still not complete, dates incorrect, missing amounts and most of all its fraudulent. Please help
Consumer complaint received 2017-12-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NATIONWIDE ACCEPTANCE LLC (IL)

Monday XX/XX/XXXX I spoke to a representative from nationwide explained that i was in the hospital and to not call at this time. Wednesday XX/XX/XXXX i received another call from a representative from what seems to be a personal cellphone calling again getting aggressive asking for his car after I said I spoke with your company earlier this week explaining Im in the hospital and to not call me. It is harassment, its one thing to be called in attempt to collect a debt but when you ask for peace while in the hospital you should receive it. I answer the phone for nationwide on a frequent basis explaining to them theyve placed a garnishment on my wages and it is putting me in financial hardship and that i dont have the money to pay anything current they call everyday saying well we wanted to know if anything changed. I have had to yell and scream while in the hospital bed at this representative elevating my XXXX XXXX and causing pain because this company can not respect time in the hospital. Then i called to speak with a supervisor i spoke with XXXX XXXX she is no better than the representative instead of addressing the fact my time to recover has been disturb she starts going into how late the account is.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please update the following accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account # XXXX because this account is only reporting on my XXXX and my XXXX credit report. It has been removed from my Experian account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC 6802 ( b ) ( c ). Please remove this account from my XXXX and XXXX credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : XXXX validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ). 
XXXX. A copy of the original contract with verified signatures binding both parties per UCC 3-505. 
XXXX. All Payment History XXXX. All charges with my signature or digital signature
Consumer complaint received 2021-12-27
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: Resurgent Capital Services L.P. (CA)

To Whom it may concern, I have been trying to dispute Account # XXXX LVNV Funding to get this deleted from my credit report. This account was reporting on all three credit bureaus but it was removed on XXXX. And it should be removed on XXXX and XXXX as well. I mailed LVNV on multiple occasions indicating the laws that were broken for reporting this account my most recent letter stated this account was reported without any permissible purpose 15 USC 1681g- Disclosures to consumers subsection ( a ) Information on file. Also, I asked you to validate this debt by showing me the original contract with my signature on it and the actual accounting. I was not sent anything that showed this debt has been properly validated. This is a violation of 15 USC 1681i- Procedure in case of disputed accuracy. It says if the information is found to be inaccurate or incomplete the consumer reporting agency shall remove this account. This account has been removed from XXXX please see screenshots below. Credit reporting agencies are supposed to report the same thing to each agency. So if an account is removed on one it needs to be removed on all including XXXX XXXX XXXX. If both accounts are not removed that is a violation of 15 USC 1681n- Civil liability for willful noncompliance.
Consumer complaint received 2021-12-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

Fifth third bank on their own accord, modified their automated payment system, XXXX, to after my due date. My due date is the XXXX of every month. They moved the payment to the XXXX of every month. 

When the account got established with XXXX bank, I sent in the paperwork via U.S. Mail and fax. I also called to follow up because I don't trust this bank. I finally got a letter but via the portal and after they had to make make corrections as I'm a previous consumer forced into using this bank once before. 

The letter states payments will start to be pulled out starting on XXXX of XXXX and will be on that date moving forward. I called again, to vaildate. The rep. at XXXX bank confirmed it was on the XXXX and offered to move it to the XXXX, Payment is due by. I didn't want it moved then -- I called back to have it removed back to the XXXX. Today, XX/XX/27, I chat with a rep. who told me it was moved to the XXXX without the consumer 's knowledge or explicit authorization.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

With Navient, I have tried to get a lower payment for several years. I told them what I can afford to pay but I am still struggling to pay. I have many misfortunes in the last year that made my income decline drastically. I have asked for help but They are always blunt and not showing any concern. I think I should be able to set the amount to pay based on my budget. I am overwhelmed with debt and considering going back to college to increase my income.