davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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. (FL)

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-15
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. (WA)

XXXX ; XXXX and Transunion should not be reporting that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Consumer complaint received 2022-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE.
Consumer complaint received 2016-11-09
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group (SC)

I received a call from this bottom-feeding debt collection group in which the caller stated he " had some legal papers to deliver to me '' and that I was to be " served '' these papers in person. He then directed me to call XXXX for more information. This company told me that it is preparing to file a lawsuit against me, in violation of the Fair Debt Collection Practices Act. I see from the numerous complaints in your database that this company makes it a habit of pretending they will file legal action in order to try to collect old, time-barred debt.
Consumer complaint received 2023-04-11
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. (GA)

Account XXXX XXXX, XXXX, is inaccurately reporting on the credit reports associated with my social security number and violates my consumer rights as evidenced by the following information : There are several inconsistencies in this account on the credit report. Firstly, XXXX has not specified the account type in detail, unlike TransUnion and XXXX. Secondly, the high credit reported by TransUnion and XXXX is {$3700.00}, while XXXX reports it as {$3000.00}. Thirdly, the credit limit reported by TransUnion and XXXX is {$3000.00}, but XXXX reports it as {$0.00}. 

These inconsistencies violate the Fair Credit Reporting Act ( FCRA ), specifically the section that requires credit reporting agencies to provide accurate and complete information in credit reports. Under FCRA Section 611 ( a ) ( 1 ), credit reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information '' in a consumer 's credit report. The inconsistencies in this account information suggest that the credit reporting agencies did not follow reasonable procedures to ensure accuracy. 

Additionally, FCRA Section 623 ( a ) ( 2 ) ( A ) requires credit reporting agencies to promptly correct any inaccuracies in a consumer 's credit report. Since the high credit and credit limit reported by XXXX are different from those reported by TransUnion and XXXX, XXXX should have corrected the inaccuracy in its report promptly. 

In summary, the inconsistencies in the account information reported by the three credit reporting agencies violate FCRA Sections 611 ( a ) ( 1 ) and 623 ( a ) ( 2 ) ( A ) regarding accuracy and prompt correction of credit report information. In addition, the account does not belong to me.
Consumer complaint received 2022-08-16
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. (MD)

I am a natual person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times.

I demand the accounts listed below be removed/deleted because according to 15 USC 1681, I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

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 2019-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (NJ)

I fell behind due to my husband having XXXX  XXXX and losing income. I am in a better place right now to be able to afford the payments but I put in for a loan modification and they tried to give me a trail plan and the payments were almost {$400.00} more than my mortgage payment and they are trying to raise my interest rate from 4 to 6 % I filed for bankrupcty to try and get myself together and I am making payments to the account and the company keeps mailing out statements where my payments are higher than they are supposed to be. No one sent me anything as to why the payment amount goes up every month and i mailed letters requesting this information and no one ever gets back to me. They wont talk to me over the phone and I am scared to death,. I am trying to do the right thing but they are playing games. I would like a fair modification but all they want to do is play games. I need help. I feel from the very beginning I had a problem with the loan and they pushed it through because I had money to put down on the house.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (FL)

On XX/XX/XXXX of 2022 at XXXXXXXX XXXX  I paid a total amount of {$2100.00} to the National Recovery Agency. They charged me a processing fee of {$7.00} making the total amount {$2100.00}. I had four debts that I paid off that day. In return they were to send a request of deletion letter to the credit bureaus so that these debts would be taken off of my credit score. The National Recovery Agency has only removed one of the four delinquent payments that I paid off that day. On XX/XX/XXXX and amount of {$1100.00} was removed from my XXXX credit report. A total amount of {$1000.00} that I also paid off that day was not removed. This company is very unprofessional and very rude I called them to settle the debt because I was unaware that these were owed and they treated me like a second-class citizen. They talked down to me as if I was not smart enough to understand anything they were saying. And I feel that they did not do what they had promised.
Consumer complaint received 2023-04-11
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. (CA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/2011 Balance {$3100.00}, DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/2011 Balance {$2100.00}
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

As you are aware, as stated in XXXX XXXX XXXX XXXX, I am a victim of the XXXX XXXX with XXXX. I have notified Experian of this matter and sent required statements, identification, and documentation for their Agency to remedy this issue. The allotted XXXX days they had to block and delete this information has surpassed. I received notice from CFPB that the company received necessary documents on XX/XX/24 it is now XX/XX/24 and I have not received equitable relief as the identified fraudulent items are still being reported against my person. Please assist me in following up on this issue by enforcing the consumer reporting agency to block and DELETE these items from my consumer report. Once Experian takes proper equitable action by completing my request, I would like an updated copy of my credit report sent to me via mail. Thank you.
Consumer complaint received 2023-04-11
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. (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. XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$4900.00} and XXXX XXXX Date Opened : XX/XX/2016 Balance : {$32000.00}. Please remove this as soon as feasible.
Consumer complaint received 2023-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 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 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 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 2017-05-26
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. (AZ)

To Whom  It May Concern,  I have an account with  XXXX   Student Loans ( Federal ) I recently had an informative phone conversation with a represent ative of  XXXX  and was explained why I had late payments reported on my credit report. I was under the impression that a notice of payment due was being sent to my mailing address and that I would contacted via email as well. However, this notice did not arrive until   XXXX   XXXX   over 60 days after I had a payment due. As a result, the late payment was reported to my   credit score.
On top of that, my email and phone number were not update  d with  XXXX  Thus, I was not receiving any communication.  ( I have since updated both my phone number and email address ).
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-01-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

During the summer of XXXX, I consigned a loan for a friend that got denied. ( Thats not the issue ). In the process of us doing the paperwork, that friend stole my identity. Soc card, id, and he knew slot of my info due to being a long time friend. I have maintained a XXXX credit for the last year or so. I check my credit this weekend. Dropped XXXX points on average between the 3 Bureaus. A capital one account was opened in my name with XXXX $ taken. I have not made an account. The person I called a friend admitted to making it to myself and to others who are more than willing to testify. Today XX/XX/23 I will be making a police report.
Consumer complaint received 2022-08-16
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. (CA)

I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-10-26
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: EQUIFAX, INC. (FL)

XXXX is not reporting correctly, Equifax has some discrepancies and XXXX as well. All three are not accurate and should be held liable for all the time my credit was worse than what it really was.
Consumer complaint received 2023-04-10
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. (CA)

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name ; XXXX XXXX XXXX XXXX Account Number ; XXXX auto lease Account Name ; XXXX XXXX XXXX Account Number ; XXXX Auto Lease Account Name ; XXXX XXXX XXXX Account Number XXXX Account Name ; XXXX XXXX XXXX  Account Number ; XXXX Account Name ; XXXX XXXX XXXX Account Number ; XXXX 15 USC 1681 section 602A. States I have rights to Privacy 15USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 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 more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furbish 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 2016-04-22
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (NY)

I leased a new vehicle which was financed through GM Financial. My first payment was due XXXX/XXXX/XXXX. 

I attempted to set up electronic transfer from my bank to GM, but GM financial was not set up to accept this payment method. So I had my bank issue a paper check with guaranteed payment to GM by XXXX/XXXX/XXXX. Payment was being sent from XXXX XXXX to XXXX XXXX. 

On XXXX/XXXX/XXXX, and again on XXXX/XXXX/XXXX I checked with GM to XXXX my payment had still not posted. I was going to stop payment but GM told me if my payment would present they would have to charge me a return fee. They suggested I make another payment direct with them. So to avoid any late fees or dings on my credit or the possibility my payment was lost on XXXX/XXXX/XXXX I made another payment. 

On the XXXX/XXXX/XXXX statement it appears both payments posted. However the statement does n't reflect any posting dates for either transactions! I checked with my bank and the original payment sent on XXXX/XXXX/XXXX cleared my bank on XXXX/XXXX/XXXX. This was 18 days after it was sent to GM. 

The fact that it takes over 10 days for GM to process a payment is unacceptable. In addition a statement that reflects no posting dates is also unacceptable. Having been XXXX for 43 years I know there are guidelines regarding these issues. 

I wrote to GM via a survey they sent me on XXXX/XXXX/XXXX outlining these concerns. I did receive a prompt return message to contact them at XXXX. I tried call this number several times. It rings once then there is dead air. 

Can you please look into the above issues. Thank you
Consumer complaint received 2019-04-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Located a puppy and trying to make a purchase of him online. XX/XX/2019 transfer {$800.00} to XXXX XXXX for the dog. Transfer through Bank of America XXXX on the XXXX transferred XXXX to XXXX XXXX because the dog was supposedly trap at the airport and they couldn't fly out needed a special crate would be able to refund upon delivery of the dog also through Bank of America XXXX. Did not receive the animal contacted the bank stated they could do nothing about it because it was XXXX I had to talk to them on Monday. That Monday they'll just took note of what happened and told me they would get back to me within 10 days. At the end of 10 days I spoke to them they indicated that they had found the transfer to XXXX XXXX they were waiting for XXXX XXXX to replace the funds. Did not hear from them call them again understood that for 10 days the notes and on someone's desk no one acted up on it which allowed this guy to get further away with my phones and separate my money for me even greater. Still not have heard a final response from Bank of America are XXXX I have the bill of sales the text message you sent back and forward in the emails that I received from these folks. Please help if you can
Consumer complaint received 2024-02-09
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: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
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