davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$25000.00}
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (NV)

IMPORTANT : I have recently looked at my credit report & noticed that there's numerous fraudulent accounts. I have contacted EXPERIAN over 40 days ago. I also placed a police report and FTC affidavit all by XX/XX/2023. EXPERIAN have only responded back stating that they are only going to place a block on my credit report but they did not remove the fraudulent accounts. This have been a disregard of federal laws not responded of an investigation in 40 days. This have negatively impacted my credit and life. Please remove following accounts XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXXACCT # XXXX XXXX XXXX XXXXACCT # XXXX
Consumer complaint received 2022-10-15
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: EQUIFAX, INC. (FL)

This was not sent in error i am a consumer by law and my information is miss used and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my report.
Consumer complaint received 2023-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

As of XX/XX/2023 I were charged a settled debt in the amount of {$1100.00} by an unknown debt collection agency " XXXX XXXX XXXX ''. The company has never attempted to make contact about the debt and should not attempt contact ot charging my credit report in a negative manor for a resolved debt. I have no knowledge of this creditor and I've disputed this debt on numerous occasions but creditors keeps selling the debt and charging my credit report to the point of having to invest into a locksafe file.
Consumer complaint received 2021-07-22
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: FORD MOTOR CREDIT CO. (DC)

I purchased a Ford XXXX  from XXXX XXXX in Maryland. The loan was opened XX/XX/XXXX. Last four of the account XXXX. On XX/XX/XXXX I was diagnosed as XXXX  XXXX  by a Dr XXXX and put on XXXX. I didnt know what to do about my car because the doctor said I couldnt drive anymore. I reached out to Ford motor credit. I spoke with a Ford motor credit agent who said I could turn the car back in to Ford. Ford motor credit explained that they would send my car to an auction where it would be sold off. If the car sold for more than was owed on my loan. Ford would pay the car off and send me a check for the amount over what I owed. So agreed that this was the best solution since I couldnt drive anymore. I asked Ford motor credit if this would be a repossession my credit. I was told no. I was self surrender in the car back to Ford motor credit. I made arrangement for Ford to come get the car. I was worried that the DC government would ticket the car since the registration was up. I asked Ford motor credit if the could pick the car up from my cousins house Maryland. They had a drive way and the car would not get ticketed. Ford said okay and I supplied them with her address and left the key with my cousin and her husband. They took their sweet time but finally picked up the car. The car sold at auction and I received a check for the difference. Fast forward to the present and Im looking at me credit report and XXXX  is showing derogatory on the Ford motor credit loan. They are showing a repossession on the vehicle I called Ford motor credit about. And I was told it would not be a repossession because I contact Ford motor credit and did a self surrender of the car. Which got paid off needless to say now its on my credit report and I want it if. Im not sure whose not telling the truth here Ford Motor credit or XXXX. Left them figure it out but it out
Consumer complaint received 2023-03-27
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: EQUIFAX, INC. (LA)

See Attached Document! This account is reporting inaccurately and is in violation of my consumer rights. The following company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX Acct # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I have been emailed several times about payments and payment arrangements from this company. After reading 15 U.S.C 1681 Section 604 A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Acct number are not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Date Opened, Last Verified, Date of Last Activity, Date Reported, Account Rating not the same on all 3 CRA 's and In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. Account is charged off but still reporting a past due balance. As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate.
Consumer complaint received 2019-05-05
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)

This is primarily in regards to Both Transunion, XXXX  and XXXX with specific focus on TRANSUNION and XXXX : I have unsuccessfuly been able to reach to ANY actionable results with Transunion over the course of the past two months as it relates to disputing inaccuracies and false information on my Credit Report. The same is True for XXXX. 

My last attempt with Transunion failed as every time I attempted online to find a way to dispute derogatory collections I was directed to " provide my credit card information '' without any explanation as to why or what is was going to be used for. So " Accessing '' my credit report through Transunion involves a forced " Payment Plan '' before even being able to " Dispute ''. 

Through many hours of research I finally got a customer service number to reach a " human being '' and guess what?, pretty much like XXXX, I was now speaking to a XXXX who was asking me for my Personal Social security Number. This was something I was not prepared to give out so willingly and had to ask several times if I was speaking to an American based office in which I was finally told " No ''. 

I went ahead to explain my issues and sought clarification as to why I was being asked to provide my credit card information through a Transunion portal without being given reasons as to what I was paying for and this rep danced around the question as expected. Now lets be clear, I only want to dispute the following on My Transunion : -Duplicate Amounts from the Same Collection Companies - The fact that said Accounts ( Medical ) were not mine - Inaccurate/Similar Names on my Credit report which are actually family members -Inaccurate/Incorrect Addresses and Places of Employ This was a very similar issue or issues with XXXX At the end of it, this person, who grilled me from the XXXX on behalf of Transunion and Received my social security number stated that Her Department can not handle said issue and she would need to " Transfer Me '' to another Department. WOW!!! 
Disbelief and utter shock. 
I was then transferred but NOW, I was speaking to an XXXX Gentleman with a very strong accent who proceeded to re-qualify me before I could even get to my issues. I refused and He stated that he will transfer me to His American Counterpart. 
Of course, this without giving me a direct number. Needless to say, that number was not operational at that time when transferred and NOTHING was resolved on my end. 
This is NOT the way American Companies are supposed to Treat American Citizens of Residents. This is NOT right.
Consumer complaint received 2019-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (NM)

Tried to make an additional {$1000.00} principal payment online but was denied. Message came up that you must first pay PREVIOUS MONTH Payment first. Today is XX/XX/XXXX, previous month was paid in full on XX/XX/XXXX. Previous month is XXXX!!! Asked to speak with customer service supervisor. She said I was on a recorded line, I told her she was on a recorded line as well She said she had to hang up on me, and she did. I asked her for information on corporate office at Suntrust and she hung up on me. I consider that a breach of service commitment by SunTrust. 

All of my previous loan servicers allowed me to make additional principal payments without any restrictions. 

SunTrust is in breach of service as my mortgage servicer by failing to provide me with information necessary to me in conducting financial transactions.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

I have attempted to retrieve information from IMC credit and XXXX  Since XX/XX/2019. I have not received the documentation but regularly contact them. I have had another account go to collection and have not seen an invoice. This was previously agreed to be removed from another collection agency.
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

It has come to my attention that the charged off account being reported by XXXX XXXX and the 3rd party collector are not in accordance with the Fair Debt Collection Practices ACT ( FDCPA ) ), 15 U.S.C. 1692 et seq : Unfair Practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. Specifically, a debt collector may not A creditor will usually charge off a debt when a consumer fails to make monthly payments for six consecutive months, at which point the account is closed to future charges, although the consumer still owes the debt. Many creditors will not collect interest on a charged off debt even if they have the right to do so. Upon speaking with the creditor & debt collector an additional {$150.00} in interest and late fees has been added to the principal balance of {$350.00} since the loan defaulted in XXXX. Per their loan agreement there is no arbitration, clause or disclosure informing the consumer of any additional interest or fees that would or could be added in the event of the account being charged off. Please reference Disclosure of Interest Accrual The second hot topic issue is how debt collectorXXXX must disclose to the debtor the accrual of interest, if at all. Section 1692g ( a ) ( 1 ) of the FDCPA only requires the debt collector to state the amount due when communicating with debtors. Courts have been left to interpret how exactly the debt collector must disclose the accrual of interest. Various judges have reached opposite conclusions in interpreting this section. 
A Pennsylvania judge in Jones v. Midland Funding, LLC, 755 F. Supp. 2d 393 ( D. Conn. XXXX ), granted summary judgment to Jones, holding that Midland violated Section 1692g ( a ) ( 1 ) where Midland stated the balance due in its initial letter, the subsequent letter stated a balance due for a greater amount, and neither letter mentioned interest accrual. The court determined that only the initial letter violated the FDCPA because it failed to state that interest was accruing and the rate at which it was accruing. Another Pennsylvania judge in Lukawski v. Client Servs., Inc. , XXXX U.S. Dist. LEXIS 124075 ( M.D. Pa. XX/XX/XXXX ), considered a case with slightly different facts and ruled that where the first letter discloses that interest will accrue, subsequent letters must also disclose the accrual of interest.
Consumer complaint received 2023-02-10
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. (FL)

Client service has a total of XXXX Accounts that need to be removed. As of now, XXXX Accounts were removed. Wrote XXXX XXXX XXXX XXXX Letters for 3 Credit Bureaus. Filed 3rd Round CFPB complaint online. Completed Before and After Credit Repair Analysis. Uploaded XXXX letter to XXXX Send an email to mail off the letters written to credit bureaus. 

Credit Score dated XXXX XXXX : XXXX - XXXX = XXXX XXXX : XXXX - XXXX = XXXX TransUnion : XXXX - XXXX = XXXX XXXX Credit Score : XXXX Charge Off : XXXXXXXX XXXX XXXX XXXXXXXX Balance $ {$2000.00} XXXX XXXX  XXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXXXXXX Balance {$1900.00} XXXX XXXX XXXX : XXXX Charge Off XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX XXXXXXXX Balance : {$16000.00} ( Previously Deleted, popped up account ) Collection : XXXX XXXX XXXX Balance {$1900.00} TransUnion XXXX XXXX : XXXX Charge Off : XXXX XXXX XXXX Balance {$10000.00} XXXX XXXXXXXX Balance {$3600.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX : {$16000.00} ( Previously Deleted, popped up account )
Consumer complaint received 2019-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I closed my Capitol One credit card account early XXXX and paid it off on XX/XX/30. I paid the entire balance of {$1700.00}. Now they are charging me interest of {$29.00} on a XXXX balance.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My family lives in XXXX and when XXXX attacked XXXX I was obligated to fly to XXXX to save my family and help them run from there to not to die. 
The situation was horrible there, the building were my family was living was bombed. I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXXI contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX have violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2021-07-22
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1300.00}, {$1200.00}, {$0.00}, {$9200.00}, {$2600.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 


-- AUTO LOAN OR LEASE 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2600.00} -This is not my account.
Consumer complaint received 2016-03-31
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (MD)

My aunt recently passed away. I have been appointed executor of her estate. She was unfortunately the last remaining relative in my family and I have been grieving uncontrollably over the past year because I have no help or support available. As a consequence of her death I inherited XXXX properties that I am trying to manage. Her estate is still currently in review and probate in XXXX XXXX Maryland. I 'm filing a complaint because of the lack of help and correspondences with her lender. I have requested documents for a loan modification in an effort to assume the loan and they said that there is not enough time to process my request.
Consumer complaint received 2019-09-29
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: EQUIFAX, INC. (CO)

I GOT AN ALERT THIS MORNING FROM MY CREDIT MONITORING COMPANY THAT EQUIFAX THE XXXX THAT THEY ARE HAVE NOW PLACED 3 ILLEGAL OPEN INVESTIGATIONS ON MY CREDIT REPORT AND PLACED THE ILLEGAL STATEMENT OF " CONSUMER DISPUTES-REINVESTIGATION IN PROCESS '' THIS IS WHAT HAPPENS WHEN THIS CHEAP, ILLEGAL COMPANY SENDS ALL INFORMATION TO A FOREIGN REP IN ANOTHER COUNTRY THAT CAN BARELY SPEAK ENGLISH AND CAN NOT READ ENGLISH EITHER. 

I AM ATTACHING PROOF OF THEIR ILLEGAL REMARKS AND ILLEGAL INVESTIGATIONS. I NEVER ONCE REQUESTED AN INVESTIGATION INTO ANY OF THESE ACCOUNTS BUT THEY DO THIS OVER AND OVER AND OVER AGAIN BECAUSE THEY ARE TRYING TO INTENTIONALLY HURT ME BY PUTTING THESE FALSE STATEMENTS ON MY ACCOUNT. 

1. XXXX XXXX/XXXX ( THIS IS A STUDENT LOAN THAT IS NOT EVEN HANDLED BY THIS COMPANY ANY LONGER AND HASNT FOR YEARS AND WAS IN GOOD STANDING SO WHY WOULD I CHALLENGE THIS '' 2.  XXXX XXXX ( 2 ACCOUNTS ) BOTH CLOSED AT MY REQUEST, AND BEING HANDLED BY A DEBT MANAGEMENT COMPANY AND PAYMENTS ARE ON TIME SO WHY WOULD I DISPUTE THIS? 

EQUIFAX DOES THIS OVER AND OVER AGAIN AND IS HURTING ME. WHY DOES THE CFPB ALLOW THIS TO HAPPEN OVER AND OVER AGAIN. EUQIFAX IS DOING THIS TO RETALIATE AGAINST ME FILLING COMPLAINT WHICH IS MY RIGHT. 

THEY ARE IN PURE VIOLATION OF THE FCRA BY CONTINUING TO PUT THESE ILLEGAL REMARKS AND OPEN INVESTIGATIONS ON MY CREDIT REPORT AND I AM DEMANDING THAT IT STOP.
Consumer complaint received 2024-03-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally express my deep concern and dissatisfaction with XXXX 's handling of my account, particularly regarding a dispute I have raised concerning erroneous charges. Despite multiple attempts to dispute these charges, which pertain to a service XXXX was obligated to provide but failed to deliver adequately, there has been a complete lack of response from XXXX 's side. This failure to engage not only undermines the trust I placed in XXXX as a service provider but also contravenes the principles of fair and transparent billing practices. 

Moreover, I must bring to your attention that XXXX has not fulfilled its legal obligation to report my dispute to the credit bureaus. This oversightor deliberate omissionhas serious implications for my credit report and score, further exacerbating the issue at hand. The lack of acknowledgment and the failure to report the dispute have left me in a precarious position, affecting my financial integrity without just cause. 

Equally concerning is the responseor lack thereoffrom the credit bureaus. Despite being apprised of the dispute and the erroneous charges levied by XXXX, there has been no action taken to investigate or amend the information on my credit report. This disregard for consumer disputes not only undermines the credibility of the credit reporting process but also leaves affected consumers without recourse or remedy. 

I urge XXXX to address this matter with the urgency and seriousness it warrants. I demand that XXXX : Provide a detailed explanation for the erroneous charges, Refund any charges that were incorrectly billed, Report my dispute to the credit bureaus as is required, Take immediate steps to correct any misinformation on my credit report resulting from this issue. 
I also call upon the credit bureaus to fulfill their responsibilities by : Investigating my dispute in a timely and thorough manner, Updating my credit report to accurately reflect the outcome of this dispute, Ensuring that my credit score is not unjustly impacted by these disputed charges. 
Failure to address these concerns satisfactorily will leave me no choice but to escalate the matter through legal channels. I am prepared to take all necessary steps to protect my rights and ensure that my credit report accurately reflects my financial behavior and history. 

I look forward to a prompt resolution to this matter.