davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with Equifax and XXXX XXXX and they removed this XXXX XXXX XXXX info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! 
I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. 
I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? 

Account name XXXX XXXX XXXX  Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-11
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: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX 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 an account without my written instructions.
Consumer complaint received 2023-03-20
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)

My name is XXXX XXXX, this complaint is not made in error nor 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX - XXXX XXXX XXXX Open Date XX/XX/2015 Balance : {$2500.00}, XXXX - XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$2700.00}
Consumer complaint received 2022-03-12
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXX XXXX Account number # XXXX, XXXX XXXXXXXX Account number # 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 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (WV)

We filed chapter XXXX bankruptcy and the bankruptcy was closed in XX/XX/2018. Citi Bank had an account on our bankruptcy for Home Depot. Citi Bank had a judgement against us, which was on the bankruptcy filing. We have been trying for approx. 3 weeks to get Citi Bank to send a release on the judgement, as it is holding up our closing on a home. Citi Bank recovery dept.is telling us that they don't need to do anything, since there was no lien. Our mortgage company won't close without the release.
Consumer complaint received 2018-10-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (TX)

When I make an extra payment to my Wells Fargo Auto Loan, they are not applying it towards the principal but instead they are taking out additional interest and applying it towards future payments. They advised me that I will need to call them every time I want an extra payment applied towards the principal. On XX/XX/18, I made an additional payment of {$200.00} towards the principal. They only applied {$170.00} towards principal and {$26.00} toward interest. On XX/XX/XXXX, I added {$200.00} extra to my payment and on this one they just extended the next payment date to XX/XX/18 instead of keeping the same payment dates. I have never seen this type of practice done with a lender and it is deceptive to do this.
Consumer complaint received 2018-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

TransUnion REFER TO XXXX CFPB My personal information is what I sent you 2 goverment IDS they are legal documents you are required by law to keep accurate information my name is just whats on those IDs when you state there is a 60 investigation in my personal information Im it there is no one that can state my name there are a lot of names that are like mine please correct my name as stated on the documents and refer back to me the change, there is no required 60 days for personal information even se4ction 611 states accuaracy
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.
Consumer complaint received 2018-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (MI)

Creditor is reporting accounts that are invalid and unverified. XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-10-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (OR)

Called into cfpb, this is not a duplicate, the other complaint was deleted, please proceed with this complaint. 

I placed an order for a new phone directly from XXXX on XX/XX/XXXX for the XXXX XXXX. On their website, it showed a trade in credit for {$200.00} for my XXXX  XXXX. I went ahead and placed my order and did financing through XXXX, which goes through TD Bank. The total cost of the XXXX minus trade in credit should have been {$520.00} ( {$720.00} MSRP ). Upon getting my email confirmation for the order, the trade-in credit only showed {$50.00}. At this point I called XXXX XX/XX/XXXX and talked with XXXX, he said that it was no issue, he would start an incident and that it should get fixed. XXXX told me to call back once I got the phone. On XX/XX/XXXX, I called XXXX and talked to XXXX who assured me that fix would get approved in the next 3-5 days from a supervisor. Called back on XX/XX/XXXX to ensure that this got approved before sending in my trade-in device and not being able to return the phone. They assured me that it would get approved and instructed me to send in the device. After watching my statements, no adjustments had been made. I called back on XX/XX/XXXX and they instructed me that they approved my claim on XX/XX/XXXX but it might take a month or two to show up. After checking my statement month after month, still no credit. Called on XX/XX/XXXX, they decided to deny my claim on XX/XX/XXXX, the representative told me to send in evidence again and it should get overturned. I complied and sent in again. At this point, I still have no received my credit and I tried to work through TD Bank to get this resolved. They have done no investigation beyond confirming the order and that the claim was denied. How can companies tell you that you will get a {$200.00} trade-in credit and confirm that it will get approved and then not do what you say you are going to do? I am now out my XXXX and a credit that was not as advertised.
Consumer complaint received 2023-03-20
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. (MA)

I disputed my personal name with XXXX because, they are not reporting me accurately However, they decided to not correct the error and remove any other aliases they have of me. I only have one name, XXXX XXXX XXXX XXXX XXXX has profile under anther name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-08-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUTOMOTIVE CREDIT CORPORATION (AZ)

I provided the contract for this vehicle which was not financed by this company on XXXX. The company is not named as the assigned or loss payee on the contract and I have never taken a loan with them. Just because they have a paper with the price and monthly payments of the car doesnt mean they are the creditors. XXXX needs to properly examine documents in a dispute instead of automatically favoring the false account reporters.
Consumer complaint received 2023-03-20
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)

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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the accounts : XXXX XXXX XXXXXXXX XXXX Balance {$2200.00}, XXXX XXXX XXXXXXXX XXXX Balance {$3900.00}
Consumer complaint received 2023-03-20
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. (CA)

The following unverified accounts indicated below were reported on my credit report in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. I need the following to updated or deleted in my file immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy
Consumer complaint received 2023-03-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a further dispute letter to the credit reporting agencies on XX/XX/, asking them to remove or correct any disputed accounts that I believe are incorrectly reporting information about me in my credit file within the legal time frame. All accounts and information must be updated and/or deleted within 30 days of the date the dispute was received in line with Fair Credit Reporting Act section 1681i. Since I have been disputing the disputed accounts for so long, it is evident that the credit bureaus have steadfastly refused to comply with all of my demands. I am submitting this CFPB Complaint in accordance with the Fair Credit Reporting Act to ask the credit bureaus once more to rectify or delete the following accounts as soon as possible : XXXX XXXXXXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX Balance Owed : {$960.00} XXXX XXXX XXXX  XXXX Balance Owed : {$3400.00} XXXX XXXX Bankruptcy Reference # : XXXX. The disputed accounts that are incorrectly reporting information on my credit file must be addressed as quickly as feasible by changing the status of the accounts or eliminating them entirely from my credit file.
Consumer complaint received 2024-06-25
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (GA)

XX/XX/XXXX : I filed a lawsuit against XXXX at XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XX/XX/XXXX : Court denied their countersuit for {$3200.00} and judgement was entered for them to pay me over XXXX XX/XX/XXXX : Email received from XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX lawyer threatening that his client would be willing to remove the debt of {$3200.00} ( which has been an ongoing thing throughout the entire legal process if I drop the money part of my suit for damages I endured to my personal property, as well as, living in a XXXX XXXX  apartment, etc. throughout my tenure at their rental property ) but will not honor court judgement in full & now he says they may possibly be willing to pay some of the judgement. They have been holding my credit profile hostage to get out of the whole ordeal & continue to do so now that they have lost their case. Everything is contingent upon If you do this then we will remove it, totally, disrespecting both the law & I.
Consumer complaint received 2022-07-10
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: EQUIFAX, INC. (SC)

In accordance with the Fair Reporting Act, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-07-10
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. (SC)

In accordance with the Fair Reporting Act, XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2022-03-11
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. (SC)

To Whom It May Concern, I have attempted to remove duplicate accounts from my credit file several times, however, the credit bureaus are refusing to move these accounts. I have letters from both XXXX XXXX XXXX and XXXX XXXX which shows that the XXXX XXXX XXXX ending in XXXX is being collected by XXXX XXXX XXXX and the XXXX XXXX account ending in XXXX is also being collected by XXXX XXXX XXXX. 

I advised the credit bureaus that it is unlawful to report duplicate accounts on my file, however, they refuse to remove these files from my credit report. 

As well, I submitted my divorce court orders advising that my last name is no longer XXXX and should be updated on my credit file to reflect my maiden name. All three credits bureaus have this information but refuse to update my name. I also sent copies of my SC Drivers License.
Consumer complaint received 2022-03-11
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: Experian Information Solutions Inc. (NY)

I have reached out to the Bureaus over 30 days and have yet to receive a response. 
This is inaccurate and should not be on my report.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (NV)

I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX  XXXX XXXX & Corrington Mortgage have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from XXXX  XXXX XXXX under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2017-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NY)

I invest in rental properties in addition to working a full-time job. I own several of the properties, but have mortgages on some. My mortgage and/or mortgage loan servicing rights were acquired by Loancare on  XXXX/XXXX/17. I was unaware that Loancare was servicing my mortgage until I noticed that my mortgage payment was not being deducted from my bank account. Loancare sent the paperwork to an old address or the rental property itself and made no further attempts it seems to contact me. My phone number has not changed since I acquired my first cell phone over ten years ago and before I ever had any mortgage. Rather than contacting me Loancare directed their efforts to sending someone to the rental property and confirming that it was still there. Oh, and assessed me a fee for doing so. I immediately made my mortgage current after learning that there was a payment due and two payments past due. I incurred late fees and my credit was negatively affected before I uncovered Loancare 's negligence. I attempted to have the negative marks on my credit removed by Loancare to no avail. I was given the e-mail address to customer support who has yet to even respond other than the automated response I received confirming customer support 's receipt of my e-mail.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I have credit issues and have made pmts on it and there useing third partys to keep the money I already payed by not receiving it back yet .at some point I signed these statements and didnt know this was the way it was .including XXXX XXXX , XXXX XXXX  XXXX  XXXX college XXXX and capital one credit card services 10 yrs now ongoing and there are a bunch of new things dont know who or what they are .Flagler police dot .and XXXX county fines and court cost driver lisence bureau .XXXX  XXXX  and driver lisence in XXXX  over 10 years XXXX XXXX XXXX county XXXX XXXX XXXX old charges .XXXX count police dot old fines and tickets and pictures on XXXX where I was robbed my Mugg shots on there and refuse to remove them .took them down and put them right back XXXX XXXX XXXX county stolen atm card they used and have charges for .XXXX ATM XXXX XXXX for XXXX hospital and XXXX  hospital XXXX XXXX XXXX XXXX XXXX division emergency services when I had insurance XXXX  court house XXXX XXXX charges for money and no services from any of them even when I got the charges .XXXX XXXX