davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX HAS FAILED TO REPORT MY AUTHORIZED USER ENDING IN XXXX INFORMATION TO TRANSUNION. 
XXXX XXXX TRANSUNION IS NOT REPORTING MY AUTHORIZED OF USER ENDING IN XXXX TO HIS CREDIT REPORT. 
XXXX XXXXXXXX
Consumer complaint received 2018-09-18
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. (TX)

I received paper bill statements through the mail from XXXX XXXX  and was changed to " electronic bills '' without my expressed consent or knowledge. I was in FL over a month with my XXXX ( now passed ) grandmother in XX/XX/XXXX, my partner informed me of all received bills. XXXX  wasn't one, so I was unaware there of a ~ {$40.00} balance and late fees along with locking the card because it was 2 days late. I called, was told the balance and paid immediately. The rep removed the late charge and told me it shouldn't be an issue after the explanation and since I had the card almost a decade with no issues. I received a notice stating I was reported to all 4 credit bureaus. I called and was told to write, which I did on XX/XX/XXXX. I received a response on XX/XX/XXXX stating they investigated and are correct. I called on XX/XX/XXXX and spoke with a supervisor at XXXX XXXX and requested when the paperless billing was approved by me but he couldn't find a date. He stated there is nothing he can do. My credit score dropped from the XXXX by XXXX points due to XXXX XXXX doing this.
Consumer complaint received 2019-04-26
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: Experian Information Solutions Inc. (NY)

I HAVE CONTACTED EXPERIAN AND XXXX THAT THERE WAS FRAUDULENT ITEMS ON MY REPORTS NUMEROUS NUMEROUS TIMES AND CIRCLED THOSE ITEMS ON SAID REPORTS SENT THEM MY POLICE REPORT SPELLING OUT SAID ITEMS WERE FRAUD AND I WAS A VICTIM OF IDENTITY THEFT, AND SENT THEM THE FCRA 605 B LAW STATING THAT THEY MUST REMOVE SAID ITEMS, THEY HAVE REFUSED TO FOLLOW THE LAW FCRA AND HAVE NIT REMOVED ITEMS AND IT HAS IMPACTED MY CREDIT AND GETTING LOANS, JOBS ECT. THEY ARE NOT FOLLOWING TE LAW AND I WANT THEM TO BE HELD ACCOUNTABLE AND I DEMAND THOSE ITEMS REMOVED IMMEDIATELY.
Consumer complaint received 2019-04-26
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I had leased a used XXXX in XX/XX/2016 and at the end of the lease turned the vehicle in. At that time I bought another XXXX vehicle. I did the transaction at XXXX of XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX The salespeople who sold me the new car were XXXX XXXX and XXXX XXXX. 

I wanted to lease the vehicle but at the time XXXX was not providing leases on used vehicles. So I opted to buy the vehicle outright. At the time of purchase I confirmed that I will not be assessed a disposition fee. I asked this explicitly and was told clearly NO disposition fee since my only option was a purchase ( not lease ). But a month later I received a bill with disposition fees. 

When I spoke to XXXX XXXX at the dealership he was surprised and promised to fix the situation. His exact words : " Send me the paperwork, you should not be paying this fees ''. I emailed the paperwork to him and he replied saying he's looking into it. Later he told me that I'll have to take this up with XXXX XXXX. This was a total flip-flop! But I got in touch with XXXX XXXX and they instead claimed that I'll have to resolve it with dealership. So now I'm left hanging with the dealer effectively lying to me and me having to pay {$350.00} which I wasn't supposed to!
Consumer complaint received 2019-04-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aldridge PIte Haan, LLP (GA)

ALDRIDGE PITE AND HAAN HAS BEEN DEDUCTING XXXX FROM MY ACCOUNT, CAUSING MY ACCOUNT TO BE OVERDRAWN. I'VE CALLED THIS LAW FIRM TWICE AND TOLD THEM I'D PAY XXXX PER MONTH, YET THEY DIDN'T CANCEL THE AUTODRAFT AND STILL HAVE ACCESS TO MY CHECKING ACCOUNT. { THEIR PHONE CALLS ARE RECORDED, SO THEY HAVE THE TAPES ON FILE. } I HAVE TO PAY OVERDRAFT FEES AND THEY CALL MY HOME DAILY. I SEND THE XXXX PAYMENT VIA CERTIFICATE OF MAILING, WHICH IS LEGAL DOCUMENT, AND STILL THEY ACCESS MY ACCOUNT, TRYING TO DEDUCT A XXXX PAYMENT THAT I CANCELED IN 2017. ALDRIDGE AND PITE HAS BEEN DOING THIS MONTHLY. THEY ARE ILLEGALLY ACCESSING MY CHECKING ACCOUNT.
Consumer complaint received 2023-04-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ; XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance Owed : {$2800.00}.
Consumer complaint received 2019-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XX/XX/2019 I called Kohls after I received a call from a company called XXXX claiming to represent Kohls. I spoke to the Kohls representative inquiring about account status and was advised that I was 60 days delinquent as of that dayXX/XX/19. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the Kohls representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the 60th day if payment were received Kohls would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for Kohls and this will not report as past due. On XX/XX/2019 I received updates from all bureaus that Kohls reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and Kohls honors what their representative advised me on XX/XX/2019.
Consumer complaint received 2019-09-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

To whom It may concern I am late 3 payment so far as Im unable to use my account do to that someone hacked my account and some one used my account debit card to make purchases I already reported as fraud and also reported to the authorities. The investigation is still pending and can take up to 90 days or more this has caused me to not used the funds that I have untill the investigation is over with and. Ow Im at a risk of having a foreclosure with my property i called Mr Cooper since the begging of this frauds and they were aware of it. Even tho they knew they still went ahead and started a demand letter with a default date of XXXX XXXX or XXXX to make a payment to avoid from been 3 payments late I told the lady I would do it as soon as I can get funds out to make a payment to void form been 3 payments one more and I loose my home by mr Cooper initiating a foreclosure against me it dad because and frustrated because mr Cooper knew about the situation and did not wanted to wait untill investigation is finished. 
I dont want to loose my home and I want to keep my home. As soon as this problem Is resolve I hope to go back on track and at least avoid from Getting more past due right now.
Consumer complaint received 2019-09-23
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. (NY)

I received an email from XXXX XXXX regarding a hard inquiry on my equifax credit report. I navigated to the provided link and it was shown that XXXX XXXX XXXX made a hard inquiry. I have no affiliation with XXXX XXXX XXXX and have not communicated with them at all so I have no idea why there is an inquiry from their company.
Consumer complaint received 2019-09-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OK)

On XX/XX/19 I called navient to see about getting my payments increased so I could pay my student loans faster as I saw that in the 3 years I have been paying them they have not got down in terms of amount owed. The person I spoke with said that the only way to increase my payment was through additional paperwork as I am on an " income driven repayment plan ''. I then told the customer service rep that I would like to pay around XXXX $ A month and she said the highest I could pay a month is XXXX . She then told me I could place my account in forbearance. I had sent in an application for borrowers defense and they immediately put my account in forbearance and I had called and told them no, I want to continue to pay the loan until my application was processed. I had to argue with them to continue to repay my loans instead of being put into forbearance.
Consumer complaint received 2019-09-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc. (FL)

Starting XX/XX/XXXX, I signed on for a 72-month used car loan with Santander consumer USA. The original principal amount was around {$13000.00}. As of XXXX, with a monthly payment of {$310.00} I have paid just under {$23000.00}. So far Santander has made around 66 % interest on the original amount financed. The problem is that they will not release my title because they say I still owe {$9400.00} approximately! I am appalled and I feel cheated and I feel like this is a crime! I've called them several times to get this resolved and explain that if I paid this amount they will have me 135 % profit from the auto loan. They refused to lower the amount only saying that I didn't understand how simple interest works. Unfair credit practice? And to add insult to injury, my car was repossessed on XX/XX/XXXX while I was 70 miles away from home. Now I have no way to get to work either!
Consumer complaint received 2023-04-03
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. (FL)

XXXX : Acct # XXXX, XXXX, XXXX : XXXX XXXX : ending in XXXX XXXX : ending XXXX XXXX XXXX XXXX ENDING IN XXXX In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected rights to privacy and confidentiality under USC 15 USC 1681 1 ). 602 ( A ). XXXX XXXX findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) State I have the right to privacy, accurate and fair reporting. 
2 ). 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. A consumer reporting agency can not furnish my account without my written permission Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. 
3 ) .15 USCc ( a ) ( 5 ) No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

4 ) 15 USC 1681 S-2 ( a ) ( 1 ). A person shall not furnish any information to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. 

My name is XXXX XXXX all other names must be deleted from my report. Only one address should appear on my report and that is XXXX XXXX XXXX XXXX Florida
Consumer complaint received 2019-09-23
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. (TN)

XXXX ; Experian and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers ****XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2019-09-23
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)

XXXX ; XXXX and Transunion are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXXXXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2019-09-23
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-23
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-09-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (WV)

Our loan payment has been sent to US Bank from my husbands employer, the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX for the past 6 years on the XXXX of every month. The last payment was sent on XXXX with a stub attached identifying the loan acct number and our name. On XXXX the employer received the check back with a letter stating that the mortgage acct could not be identified. There was a phone number and extension on the check but the employer was never called to give the mortgage number and the stub with the identifying information had been removed. On XXXX a second check was sent by 2 day mail through USPS and via tracking information, was received by US Bank at XXXX XXXX   at the front desk of XXXX XXXX XXXX  , XXXX XXXX, MO XXXX. As of XXXX at XXXX, my mortgage payment has still not been processed, I am showing delinquent and have incurred a XXXX late fee. My husband and I have both called multiple times to no avail. I have spoken to XXXX, XXXX XXXX, XXXX, and when I ask to speak to that person again I am told they can not be found. I have been put on hold for approximately an hour each time and nobody seems to be able to tell me where my payment is. I have never dealt with such an inept, system and need help in finding a resolution. Thank you
Consumer complaint received 2019-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (NY)

This bank treats me horibke I apllied for a secured card they always give me a hard time I call to check status they saw oh everything is fine then the following week they need Verifiction when I call them their very rude to do it by phone then I get a letter that my application was denied because my address is suspected fraud which is ridiculous I call them they refuse to process my application for my secured card and wont believe its me not fair
Consumer complaint received 2019-09-23
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. (TN)

Equifax ; XXXX and XXXX are reporting incorrectly ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX and XXXX. ( Please see pages 6 10 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line item need to be removed from my credit report. I have contacted the bureaus to remove these but I have not been successful.
Consumer complaint received 2018-09-18
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)

On XX/XX/2018 I submitted a request to Experian to send me all original documents with my signature to me for my verification. In which all accounts were deleted from my Experian credit report. This has left me with no credit rating at all. my credit report says I don't have a credit rating, It is XXXX. I contacted in XX/XX/XXXX by phone and I was told that I was reported as deceased. I asked for someone could explain to me why would I been reported deceased for asking for verification of documents. No one would give me a answer at first, then I told that someone from Experian contact me to fix the problem. 
It is now XX/XX/XXXX and I have not been contacted or can anyone explain why was I reported to be deceased. This is critical to fixing my credit. I have been a victim of identity theft before, now I believe that I am being victimized by Experian also.
Consumer complaint received 2024-03-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to express my grave concern regarding the presence of fraudulent and unauthorized account on my credit report, which is causing significant distress and financial harm. Specifically, this account is associated with the following entity : XXXXXXXX XXXX XXXX XXXX. It is of utmost importance to underscore that this account do not belong to me and is fraudulent. Attached you will also find my ID as proofofmyidentity and my Proof of Address.